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#1
 
Old 06-04-2010, 02:20 PM
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Default Dispute vs. Validation letters

what is the difference between "Dispute" or "Validation" letters? When would you use one or the other? thanks
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Old 06-04-2010, 02:55 PM
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I'm confused also as when to use
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Old 06-04-2010, 05:57 PM
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Dispute letters are sent to the credit bureaus (CRAs). Debt validation letters are sent to collection agencies (CA). 623 dispute letters are sent to original creditors (OC), but are more of an investigation request then an actual dispute. Also, 623 disputes can only be sent to OCs after a CRA dispute has been sent.
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