Explanation of the 1 2 Punch

[Trish]

I haven't seen this mentioned here so I thought I might bring it up.
If anyone has anything to add.........or has any questions about this, please don't hesitate to speak up.


The 1 2 punch is a strategy used when trying to force a timeframe on the CA and has worked very well for alot of people.

You have to do things in a specific order.

1. Send validation letter CMRRR.

2.Once you receive your RRR card (or if you track online - once you know it has been signed/delivered), immediately dispute with the CRAs.

This puts the CA in a time crunch. Once the CRA notifies the CA of the dispute, the CA then has 30 days to verify the debt with the CRA.

Here's the catch - they MUST validate the debt with you BEFORE they can verify with the CRAs or they are in violation. If they do not verify with the CRA within that 30 day window, the CRA will automatically delete the TL.

Also note that they must mark the acct as in dispute.

So, if the CA cannot validate with you before their 30 days is up, they shouldn't be able to verify it with the CRAs. Result - deletion.

If they do verify with the CRAs or do not mark the acct as in dispute - violation(s). You now have leverage and you can send them a letter demanding a deletion or you will seek damages.


*This does not work on OCs since they are not required to respond to you.

Please also be careful when disputing any accts still within SOL...........because if they do turn around and validate the debt and you cannot pay it, you could very possibly get sued.

[jjgross]

Originally Posted by Trish

I haven't seen this mentioned here so I thought I might bring it up.
If anyone has anything to add.........or has any questions about this, please don't hesitate to speak up.


The 1 2 punch is a strategy used when trying to force a timeframe on the CA and has worked very well for alot of people.

You have to do things in a specific order.

1. Send validation letter CMRRR.

2.Once you receive your RRR card (or if you track online - once you know it has been signed/delivered), immediately dispute with the CRAs.

This puts the CA in a time crunch. Once the CRA notifies the CA of the dispute, the CA then has 30 days to verify the debt with the CRA.

Here's the catch - they MUST validate the debt with you BEFORE they can verify with the CRAs or they are in violation. If they do not verify with the CRA within that 30 day window, the CRA will automatically delete the TL.

Also note that they must mark the acct as in dispute.

So, if the CA cannot validate with you before their 30 days is up, they shouldn't be able to verify it with the CRAs. Result - deletion.

If they do verify with the CRAs or do not mark the acct as in dispute - violation(s). You now have leverage and you can send them a letter demanding a deletion or you will seek damages.


*

Please also be careful when disputing any accts still within SOL...........because if they do turn around and validate the debt and you cannot pay it, you could very possibly get sued.

but there is a way to dispute with the oc can't you use a 623 letter askinking them to *s**t or get*

[Trish]

Originally Posted by jjgross

but there is a way to dispute with the oc can't you use a 623 letter askinking them to *s**t or get*

There are ways to get an OC to respond.......and in some states (I know TX for sure), the OC has to abide by the same laws as the CAs.

But generally speaking, the 1 2 punch only works for CAs.

[scorch]

I once 1 2 punched a JDB and they just went away.