Validation Letters

Discussion in 'Credit Talk' started by shport, Oct 31, 2001.

  1. shport

    shport Well-Known Member


    I'm writing validation letters to all companies who have supplied derogatory information on my reports. The CRAs do not provide the full account #. Do I call the creditor for this information or do I send the portion of the number I have, along with my SS# and DOB and let them figure it out? I'm not sure if it would affect the matter if I contacted these companies and spoke with them about my account.

  2. uniondiva

    uniondiva Well-Known Member

    I am not expert on this. FYI I just mailed my first round of validations this morning. I did not include account number on the letter. I used the KISS principle and figured that I would not give them any information that would help them validate, including social security or account numbers. You really don't want them to validate, so why make it easy? I sent them a letter basically as follows

    A recent review of my credit report shows an account from your company. I do not believe I currently have or have ever had an account here.

    Please prove the account with something that shows my signature.

    I appreciate your prompt response to this matter and I thank you for your cooperation.


    I guess I just modified what I saw on the boards here. I sent them all certified RRR. I will just wait for nothing, because on at least three of them, I know they cannot validate.
  3. bbauer

    bbauer Banned

    Sounds to me that you are at least in the ball park with your efforts.

    but I fail to understand why you say your are just going to wait for nothing. If they fail to validate, they are going to find out that I wasn't just waiting for nothing.

    And they sure ain't gonna like what I was waiting for when they find out what it is.
  4. uniondiva

    uniondiva Well-Known Member

    waiting for nothing means i fully expect that they will not be able to validate and will not responde in the appropriate time period. I will then pursue each matter appropriately and that means, I will get them off of my reports
  5. bbauer

    bbauer Banned

    I sincerely hope so.
    As I said, you seem to be on the right track

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