- Creditor Name: APEX ASSET APEX ASSET MANAGEMENT
- Account No.: XXXXXX XXXXXX XXXXXX
- Original Creditor: BLUE RIDGE CABLE BLUE RIDGE CABLE BLUE RIDGE CABL
- Responsibility: Individual Individual Individual
- Condition: Derogatory Derogatory Derogatory
- Original Balance: $87 $87 $87
- Balance: $87 $87 $87
- Date Opened: 01/05/2004 01/2004 01/2004
- Date Reported: 11/22/2006 11/22/2006 12/2006
Greetings fellow creditboards members,
Over the past two months I have REALLY increased my scores and i'm working on my last 2 derogs. The first one I want to tackle is this Apex account. I have tried validation and they reply back in two days with creditor and amount. Then I tried nutcase, nutcase #2, and went down the line. I disputed with all 3 CRA's and they verified immediately. I tried PFD for both the OC and the CA with no success. The OC stated they will update the balance to zero but will not delete. I know this is still within my state's SOL of 4 years but since it is so low I doubt they will do anything other than be anoying.
How do they validate?
Creditor & amount is not enough from the CA.
Ask for more info.
Prove it's mine.
How do I know you have the right to collect on this account?
It worked on an account I helped my best friend dispute.
Enclosed is the verification of debt that you requested from our office regarding the following account:
Blue Ridge Cable in the amount of $87.42 for services on 7/31/03
Please feel free to review the documentation and then return a call to our office at your earlies convenince. You can reach one of our representatives locally at ###-###-#### or toll free at ###-###-####. Thank you for your attention to this matter.
Apex Asset Management, LLC.
Then 2nd page --
Name Client Reference & Name Service Data Balance
snkeskiner Blue Ridge 26108001 7/31/03 $87.42
Thanks again for the help and replys!
Oh and by the way, any time I ask for validation I get the exact letter back. I have 4 copies of these letters. Should I hire a lawyer and sue them? When I have to sent an ITS letter, you better bet i'm serious.
This hardly constitutes validation.
I know. But, what should be my next step? I have 4 copies of this same exact letter. They refuse to send me anything else? I think I have no other choice to sue them.