Thread: Validation Letter

Hello all, I am new to this site and was hoping I could get some help.

I want to send a validation letter. My questions are this: Do I send it to the 3 credit agencies or to the actually collector? I would save a shit load of postage if I sent it to the credit agencies, but I am not totally sure how well that would help me. Do I also send a copy of my credit report or can I just cut and paste off the report and give them what they need? One more thing. If a had a credit card that I paid on for like 1 year and then stopped making payments and now it’s is past due like 1 year. Should I send a validation letter to this company and hope they take it off? Or do I want to keep it because it did show I paid on time for a year? Or is this just bad all together?

After reading on here I seen some where that I should not sign my name on any letters I send to the CA? Is this true?

A validation letter, asking the collector to validate the debt, goes to the collector.

A dispute letter, disputing an entry on your credit report, goes to the credit reporting agencies.

The reason you don't sign a letter to a CA is that they could possibly scan it and put the signature on another document, like one where you agree to pay.

Originally Posted by Hedwig

A validation letter, asking the collector to validate the debt, goes to the collector.

A dispute letter, disputing an entry on your credit report, goes to the credit reporting agencies.

The reason you don't sign a letter to a CA is that they could possibly scan it and put the signature on another document, like one where you agree to pay.

Ok, Thanks

So if I have 10 Unauthorized Credit Inquiry on my report, I can send it to the credit repot agencies as one letter, with all the info?

Inquiries are hard to remove. The impact lessens in six months, they drop at two years.

The impact lessens in six months?????

Should I just write the one letter with all the ones in question?

Originally Posted by Hollie

Ok, Thanks

So if I have 10 Unauthorized Credit Inquiry on my report, I can send it to the credit repot agencies as one letter, with all the info?

A Lot of times you can email the person who did the inquiry and tell them they had no permissible permission to pull your credit report,and to remove it.

Originally Posted by jjgross

A Lot of times you can email the person who did the inquiry and tell them they had no permissible permission to pull your credit report,and to remove it.

ok, thats what I thought. I guess I got confused about who to send it to.

y thought was that eventually only one threadwould have to remain at the top of the CREDIT forum which points you to the relevant information.....sorry for the confusion and thread movement

Hollie wrote:
I want to send a validation letter. My questions are this: Do I send it to the 3 credit agencies or to the actually collector?

Me: The debts you are trying to validate??? Do you recognize that they are legit? Do you honestly have no clue what they are...or are you just trying to see what you can get off of your credit report?

Hollie wrote:
Do you recognize I would save a shit load of postage if I sent it to the credit agencies, but I am not totally sure how well that would help me. Do I also send a copy of my credit report or can I just cut and paste off the report and give them what they need?

Me: When you write a dispute to the credit bureau's, less is more. You want to paste the name of the account and what collection agency it is with and that is all. They work on 30 days under the law to question and validate debts w/your creditors or collection agencies. If it takes a while and they do not validate the debt in time often it will be removed. That's not to say it won't reappear on your credit. This happens all of the time - you just have to be adamant that it was removed once because it couldn't be validated and you want it removed again.

Hollie wrote:
One more thing. If a had a credit card that I paid on for like 1 year and then stopped making payments and now it’s is past due like 1 year. Should I send a validation letter to this company and hope they take it off? Or do I want to keep it because it did show I paid on time for a year? Or is this just bad all together?

Me: There is no cut and dry answer to these questions. Yes, showing payment history helps in determining a better score - however, missed payments often negate those points and your score is bad. Either way it's sitting on your report as an R9 chargeoff and that's bad. Not that this is moral, but your best bet is to try to have it removed. When creditors see missed payments that tells them everything they are afraid of and will base new credit off of that alone.

Hope this helped.