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no cca, can they still affect my cra file?

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If my dca has no cca and I choose to go down the road of no longer paying, do they still have the right to provide negative payment info to my file? If there is no cca then do they have the legal right? Thanks for all your help so far, Jo

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No CCA on request = no right for the DCA to provide negative payment info on file, however it does not always stop them.

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