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 itâ??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?