Credit Repair Questions & Answers

Debt Validation

I got a collection letter six months ago. Can I still validate the debt?

You can try, but you are not guaranteed to get a response. We offer debt validation as part of your credit repair program membership, so we can attempt it on your behalf, but the collector does not have an obligation to respond six months after having sent you the collection notice. Read More »

How quickly are collectors required to validate a debt?

There is good news and bad news. The bad news is that collectors do not have a time limit for debt validation. The good news is that most collectors will either respond in a timely manner, or you will see the issue removed from your credit report. Read More »

What happens when a collector is unable to provide validation documentation?

Generally, when a collector cannot validate a debt they will stop their collection efforts and cease reporting the account to the credit bureaus. This is the required behavior and most collectors will comply, but not all. In some cases you will have to get defensive. Read More »

I just got a collection letter. Will Sky Blue validate the debt?

We offer debt validation as a standard part of our credit repair services. There are no extra charges for this, and we encourage our customers to forward to us any collection notices they receive as quickly as possible. There are several benefits to debt validation, but not all debts should be validated. Read More »

Credit Repair and Debt Validation

Debt validation is a powerful and highly recommended credit repair tool. The Fair Debt Collection Practices Act (FDCPA) requires collectors to validate a debt if you request that they do so within 30 days of receiving a collection notice. They must provide proof of their legal right to collect along with some reasonable documentation of the amount due.

The FDCPA itself does not specify that collectors must document the amount due, but case precedent indicates that at a minimum the collector provide an account statement from the original creditor. In the case that the collector cannot properly validate the debt they must cease all collection activity and reporting of the debt.

This credit repair tool should be employed liberally. A surprising number of collections are not valid. This means that they have been previously paid, sold to another collector, belong to someone else, or rendered invalid in some other manner. Before parting with your money, or even considering negotiating a debt, make sure that it is legitimate!

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