Hey all!!! I have to ask before I start DV'ing the entire CA lexicon! All of my baddies are within 7 years, I have no real documentation of any of them, and as far as I can tell the CA's haven't violated any rules. Based on Psychdoc's seminars I should DV everyone but I am afraid of "waking the giant". Should I proceed with my DV plan or am I sunk???
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I think it sometimes depends.
One thing-- don't ever DV a positive line just because it has some derogatory info (e.g.: a closed card with one 30 day late) you're likely to get it knocked off.
Do Triage each of the items as Psychdoc recommends. Figuring out as much as you can about them will help.
If its marked as paid already then DV seems relatively safe since there is no incentive for the CA to deal with the hassle, but remember the 1-2 punch.
For the ones that are owing take them step by step.
If most of these accounts were opened at a previous address and that address is incorrectly listed on your reports it might be worth getting that off your reports first before you DV them as address is one of the things used to verify the info.
what's your states SOL on these debts?
don't kick the beast until it's muzzled