Credit Repair and Debt Validation

Credit repair requires a multi-dimensional approach to the credit issues. If you have active collections, and you question their accuracy, it is not enough to dispute them with the credit bureaus. You need to focus your credit repair efforts on the collectors themselves. The law that governs the collection industry is called the Fair Debt Collection Practices Act.

Debt Validation

Under the Fair Debt Collection Practices Act (FDCPA) you have the right to challenge a collection directly with the collector. This right is limited in both time and scope, so if you want to have any leverage with the collector you must know the rules. Here is an overview of the important credit repair tool called Debt Validation.

The Collection Letter

Prior to reporting a collection to the credit bureaus, a collector is required to send you a notice of collection, commonly known as a collection letter. This notice must contain specific language indicating your right to dispute the collection within thirty days of receiving the notice. If you do not respond within thirty days you lose your ability to use this important credit repair tool.

Documentation Required

The specific scope of debt validation includes your right to demand that the collector provide proof they have the legal right to collect, which may be demonstrated in the form of an assignment or purchase of the debt. In addition, you have the right to request an objective accounting of the amount the collector says you owe.

Credit Repair Results

If the collector cannot provide the documentation requested they must cease collection efforts and not report the collection account to the credit bureaus. Should you decide to do your own debt validation, we suggest you do so in writing and send it via certified mail.

If You Need Help

If you are a member of our credit repair service we ask that you provide us with copies of any collection letters you receive. We will handle the debt validation process for you as part of our credit repair program. If you have questions about collections, or would like to chat with us about credit repair, just give a call!

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