Is a validation letter effective for original creditors? Are they legally required to respond? If so, in what time frame? I have several charge-offs (accounts charged-off this year) and would like to negotiate settlements. It seems that it would be pointless to ask for validation because some of the accounts are not with a CA (the ones that are are being ask to validate the debt). What's the best course of action to negotiate with the original creditor? Should I offer a settlement in exchange for deletion/neutral rating? Would they be willing to work with me since my charge-offs are so new? FYI: I disputed the items with the 3 CRA's and all came back verified :-( Try again before negotiating?? Help is appreciated and welcomed.