--> What Is Validation?

Discussion in 'Credit Talk' started by Butch, Feb 3, 2003.

  1. Neveragain

    Neveragain Active Member

    Validaton vs. verification ? whats the difference?

    Excellent information! Thank you - it is refreshing to see direct to the point opinions - wow ~
    I have been reading (starting with the primer about 2 weeks ago-lol) and although I've searched I cannot locate a direct response to:
    What is the difference between a debt validation letter and a debt verification letter?
    I don't want to sound stupid but it seems I would send a debt validation letter to a CA and the debt verification letter to the CRA? Do I have that right?
    Thanks :)
     
  2. cap1sucks

    cap1sucks Well-Known Member

    It seems that the courts can't always get it figured out either. I've seen cases in which verification was used by the court when they were discussing proof of the debt and whether or not the 3rd party debt collector had complied with the law or not.

    Then I've seen other courts use the term validation in the same types of discussions. If you really want a definitive answer as to what the difference between the two terms are you might be well advised to ask a judge for a legal opinion which may or may not be correct or even binding on anyone.

    How important is the difference? Why even raise the question?
     
  3. Neveragain

    Neveragain Active Member

    Blurry eyed ~

    lol - none now that I think about it! The process doesn't vary... I guess my eyes were bloodshot from reading - lol
    Thanks :)
     
  4. jam237

    jam237 Well-Known Member

    The problem/confusion is in the phrasing of the FDCPA...

    The statute seems to want to flip-flop between the two words.
     
  5. jam237

    jam237 Well-Known Member

    The CRA dispute can be as simple as "What is this account on my credit report to XYZ Corp (I've never heard of them, etc)."
     
  6. cap1sucks

    cap1sucks Well-Known Member

    Jam, if I remember correctly FCRA also goes into that by saying that the CRA has to verify or uses the word "verification" somehow. Been a long time since I've read FCRA however.
     
  7. Neveragain

    Neveragain Active Member

    Thank you :) It is hard to wave through the 86 pages of the FDCRA but well worth the read for this newbie :) Hope this topic isn't starting a war but truly there are places on the web that leads the consumer to believe there is a definate difference in the validation and verification letters... once again "interruptation" is always the key (and maybe a judge that actually listens to a Pro se) Thanks :)
     
  8. cap1sucks

    cap1sucks Well-Known Member

    I also believe that there is a definite difference between the two terms and that there is probably an actual legal definition of the two but whether there is or not is of no real importance to me. At least not right now.
     

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