How Credit Repair Works
Validation Letters are sent to 3rd party debt collectors (read collection companies). Under the Fair Debt Collection Practices Act (FDCPA), a consumer has the right to challenge the validity of a debt. The 3rd party collector has 30 days under the law to verify its authority to collect. Certified mail is crucial when it comes to validation letters. Think about it: if you can’t PROVE when a collection company received your validation letter how can you PROVE their 30 days to validate the debt has expired? You would be surprised at how many Collection Companies have terrible records and can not sufficiently prove the debts they are attempting to collect. The fact is that if you sent a debt collector your own validation letter, they just don’t take you as seriously as they do when the validation letter comes in from a third party. I have spent almost a decade and a half perfecting our process of validation letters and I have not seen another company that can match our success rate.