If you’re serious about fixing your credit and getting out of debt, debt validation can be a great starting point. A debt validation letter can help you correct inaccurate information and remove unverifiable information more effectively than even a dispute letter.

Under the Fair Debt Collection Practices Act, you have the right to request validation for any outstanding debts you may have. This means that any collection agency claiming to own a debt you owe must provide proof not only of the debt you owe, but that they’re entitled to collect it from you as well. If the collection agency cannot verify your debt, they can no longer collect the debt from you, try to contact you about the debt, or report it to the credit bureaus.

If they violate the FDCPA in any way, they’re opening the way to a lawsuit.

Debt validation is intended to dispute debts that you feel are inaccurate for some reason or another. It is not meant to provide an easy way to eliminate debt. You should never attempt to have accurate debts validated. Doing so can cause you more problems and can even get you sued in court. If your debts are accurate there are better ways to resolve them, such as debt settlement.

So how can you get started?

Give us a call toll free: 1-800-430-7494 to speak to a certified credit expert. Or click the big orange button below and a credit coach will call you back shortly.