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Question
I received a letter from Unifund stating that I owed $22k stemming from an account with Chase. I checked my credit report and found that item along with an item from Chase for $19k, same account number.
I am sending a certified debt validation letter. My questions are:
How long do they have to respond?
Will they remove this item from my report if the cannot validate?
What kind of language should I use in my letter?
Sincere thanks in advance!
Dom
Dom,
The old days with requesting validation are gone, banks got hip quick to this loophole. I really doubt you'll get this removed from your credit report since Unifund will have the statements in about 2 weeks from chase. You'll receive them a few days later.
Send the collection company a letter telling them not to contact you.
Good Luck
Eddie
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Answers by Expert:
Ontrack Financial Group llc
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