Another great method of successful credit repair is to try debt validation first on all debts owed. Why? because you as the client may not even be legally entitled to pay the debt to the creditor or collection agency. By law the collector must validate the debt and prove it's yours. In the case of a collection agency; If they cannot show proof that the collection company owns the debt/or has been assigned the debt then the debt must be dismissed and any erroneous information reporting on your credit file related to such debt, must also be dismissed and removed.
The Fair Debt Collection Practices Act requires collectors to validate a debt by providing proof of their legal right to collect, but only if it requested to do so within 30 days of sending the collection notice. Debt validation can be an effective form of credit repair. Even if you know the debt is yours and really do intend on paying it in full you should always ask the collector to provide validation before you pay them. We will take care of the debt validation process for you as well as many other methods as we repair your credit Get started now!.
In some cases a request for validation may not get a response from the collector. If this happens don't worry, we have many other validation strategies that we can put into force to get the positive results we want. We can write a letter to your creditors on your behalf to the respective collector telling them that you are interested in resolving the issue but you would like to see something in writing first. In most cases, they will respond with a new collection letter. Once you get the letter, we can then validate the debt in a timely manner. In some cases when we contact a collection agency about an old account, they may respond that they do own the account anymore. In this case we can dispute the account on your behalf with the credit bureaus and get the item deleted easily for you. We have many methods of fixing your credit and raising your credit score besides validation. Validation is just one valuable and effective technique. Let us clean up your credit today!
