CA Validated But Not Licensed….

Nov 242010
 

Hi All,

 

    I need a little help from the myfico fam.  I had a CA validate.  I’ve been thinking about writing a PFD letter to the CA but I have not as of yet.  I was doing a little research, and I was able to find the website where you can research to see if a CA is licensed to collect in your state.  This particular CA’s name was not on the list therefore they are not licensed. In the state in which I reside (NV), CA’s are required to have a license to be able to collect in this state.  What should my next move be? Should I write to the CA and CRA’s letting them know that I am aware of this information and asking them to delete? Or, should I write the AG and/or BBB? If they are not licensed in my state are they required to delete the TL?  Any advice would be helpful!  :)

Need some help on baddies

Mar 232010
 

Ugh, where to start?   Well, here are the items I want to remove:

 

GEMB/JC Penney – DOLA 4/06 – I’ve sent GW letter and the response I got was ”sold to CollectAmerica” (I don’t even know  how much money I owe them since they won’t respond).  Tried calling the number they provided and it’s not in service.  Did some research, found out that they are now Square Two Financial.  Sent DV letter CMRRR 3/12/10.  Haven’t received a response but I did find out that they are not licensed to collect debt in Nevada.  Should I worry about this now or wait to see if they provide proof of debt?

 

First Premier – DOLA 8/06 – I’ve sent DV letter and they send me their typical “we don’t have to verify crap to you because we’re not bound by those rules” letter.  I guess I may have sent the wrong type of letter to them since they are the original creditor and not a collection agency.  I sent another letter CMRRR 3/5/10 but have not heard back.  I’m at a loss as of what to do.  Also, they are reporting different amounts to each CRA.  It’s only off by a couple dollars but I honestly don’t recall ever using this card.

 

Last one!!

Collection Service of Nevada – DOLA 10/03 – I sent a PFD letter 3/12/10 CMRRR but no response as of yet.  I know this is removed at the end of the year but I would like to have it removed sooner just for my own peace of mind. 

 

Sorry for this to be so lengthy, but I’m at a loss of what my next step should be with these companies.

 

Thanks in advance!!!!!:smileyhappy: