Sample debt validation follow-up letter

Joined: 28 Jun 2006 Posts: 446 10878 Magic Points

Hi CMBV22
Thanks for posting this wonderful letter. It is a very good contribution and I hope this will be of great help for others in the forum.

Joined: 09 Jan 2008 Posts: 134 30 Magic Points

I need a letter like this right now, I have found a few good examples in the debt forum also, I will customize it to my own information and send it out, thanks for putting an easy to follow example here. appreciate it.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

With some research, editing and sample letters from the forum you should be sure to find one that fits your needs. Good luck,

Joined: 13 Aug 2007 Posts: 1889 1356 Magic Points

I JUST got a chance to look at this letter. WOW!! Really 'to the point' and I know it will help me.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

There are some really good examples on here and the other forums as well.

Joined: 31 Jul 2006 Posts: 516 13571 Magic Points

Hi CMBV
This is really a wonderful posting. Hope that somebody would make the letter sticky, so that it always appear at the top.

Joined: 13 Aug 2007 Posts: 1889 1356 Magic Points

If a CA doesn't respond to a Validation letter, with in a certain amount of time, can you gt the account deleted from your CR? Of course..sending a letter to the CB's, stating this fact?

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

Have you done this before and has it been successful?

Joined: 08 May 2008 Posts: 364 4810 Magic Points

sdchargers_63

I am having quite a bit of fun with Experian over that very fact. I have sent this one credit solutions corp a letter every 30 days since march 8th. They havent responded once but, they have signed for each letter. I disputed the listsing w/ the CRAs since it was unvalidated. So, TUC & EQF remove it but experian says they verified it. So, I sent them a MOV letter and here I wait. If they dont respond to that I guess I will be calling the FTC and AG

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

Isn't it funny how one can say that they verified, while the other two did not and how much more will the two of them are to work with you, but equifax won't. crazy huh.

keep us updated. Have you posted a sample of what you sent them? I would be curious to see what actually works with them?

Joined: 31 Dec 2007 Posts: 573 -53 Magic Points

Powerful letter, I would definately consider using this one.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

I think the whole thing is a crazy nightmare. How such companies can hold such a threat over someones head. I think they need to follow some rules and if something isn't validated in 30 days they should get it off the report instead of letting it linger there. If a company does validate can you have the proof sent to you so you can see for yourself or do you have to just take their word for it?

Joined: 17 Jul 2006 Posts: 1240 28942 Magic Points

Yes, I too think so fireyone. If the collection agency do not reply to your debt validation request within 30 days from the receipt of the letter, there is no need of sending a letter to them again. This is time consuming. Instead we can directly dispute the listing with the credit bureaus and get it removed from the credit report.

Joined: 26 Feb 2008 Posts: 4285 127 Magic Points

I hear disputing with the credit bureaus is sometimes hard to do too. If they don't respond shouldn't the bureau have no problem removing them?

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