Quote:
Originally Posted by Pbober  Thanks for the quick response. I have received all of my credit reports and read all posts in the beginner's guide. Should I send validation letters to the CRA's first and then to the CA's after a week? Should I send seperate validation letters for each item? Can I ask for validation for all accounts or do just a few at a time? I have a CA that have multiple accounts on me...can I ask for validation for all of them? Thanks! |
No.
1. Send a
validation letter (DV letter) to the CA.
2. Send a
verification letter (dispute letter) to the CRAs a week later.
Debt validation is for collection agencies - requesting validation on a debt.
Verification is for the credit bureaus - requesting an investigation on an account they are reporting on your credit report.
Many people confuse validation and verification. They are completely different. If you send a validation letter to a CRA or a verification letter to a CA they will wonder if you are smoking crack.
