Would you consider this a proper DV by a CA?

Feb 052011
 

I’m now currently working on my last unpaid collection account. The CA is Zenith Acquisition. I have sent them a DV letter mid year around May of last year and gotten a reply back from them with one page listing the credit card transactions dated in 2007 and a few in 2008. Its not the actual credit card statement from the OC, and does not list the OC account number. It just shows a report with columns of Date, Code, Amount Description and City. And then a list of transactions. Is this proper validation of the debt?

 

At the time I received this letter, I thought it was a good validation and have sent PFDs, but have not received any replies back to it. Now that im really focused on this last collection account, im having some doubts and questioning if this is proper validation or not. If this is not proper validation can I start again with another DV and go from there? I appreciate any suggestions, thanks.

Novice Needing Expert Advice

Jun 012010
 

Good Morning Everyone!

 

I am pretty new to the forum and looking for some serious expert advice. I have been really focused on rebuilding my credit since the start of the year and have been doing pretty well at it. Credit Scores as follows: 1/1/10 Transunion-519 Equifax-513 06/01/10 Transunion-631 Equifax-585. Today I was approved for Best Buys Mastercard Gold with a limit of $510.00 I was pretty excited as in the past I would get rejected, so I am heading in the right direction. Below is my credit report information:

 

What should be my next steps to take? I am really trying to get my score at 700 to get approved for a new home and all the advice/help I can get will much appreciated. Any other information that might be needed please let me know. Thanks again!!

 

TRANSUNION

Prestigio Jewelers    6/2004 BALANCE $0 Charged off as bad debt (SHOULD BE DELETED FROM THE REPORT SOON)    
Public Savings Bank    4/2010 BALANCE $42 Paid or paying as agreed (OPENED 04/10)    
First Premier Bank    6/2004 BALANCE $0 Payment after charge off/collection    
Citifinancial Auto    4/2004 BALANCE $6,790 Paid or paying as agreed-60 DAY LATE PAYMENT BACK IN 09/

Arrow Ser    3/2007 BALANCE $0 120+ days past due (FIRST PREMIER WAS SOLD TO THIS COMPANY)

 

EQUIFAX

Publicsvbk    4/2010 BALANCE $42 Pays account as agreed (OPENED 04/10)    
Arrow Ser    3/2007 BALANCE $0 120+ days past due (FIRST PREMIER WAS SOLD TO THIS COMPANY)
Fst Premie    6/2004 BALANCE $0 Bad debt/collection-SOLD TO ARROW SER.   
Citi Auto    4/2004 BALANCE $6790 Pays account as agreed-60 DAY LATE PAYMENT BACK IN 09/09  Â