Debt Verification, Debt Validation, Letter of Deletion

[randaljon]

Are these 2 letters one in the same? Or do you send a Verification letter to a CA first, if they respond, then send a Validation letter?

Do you send a request for a letter of deletion before these letters or after, or both?

Thanks

[MarineVietVet]

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@randallcred wrote:

Are these 2 letters one in the same? Or do you send a Verification letter to a CA first, if they respond, then send a Validation letter?

Do you send a request for a letter of deletion before these letters or after, or both?

Thanks

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Hello and welcome to the forums.

Here is an excellent thread discussing some of that: What Steps Do I Take?

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[LIGHTNIN]

No they are not the same. Do you have a collection on your CR that you what deleted?

If so, give us some info about it, minus your personal info of course.

[randaljon]

My main question is, should I send an offer to pay off the CA debt in exchange for a "letter of deletion". Or should I go through the Validation process first?

Here is a process I was going to use.

1. Dispute the collection, and ask for verification or offer to pay half the debt in exchange for Letter of Deletion.

2. If they reject the offer and verify, then ask for Validation.

3. Offer to pay full debt for letter of deletion.

These are CA, original creditors were credit card companies.

[LIGHTNIN]

You send a DV debt validation letter first,then if they verify you send a PFD letter.

 Go to the link below that says  What Steps Do I take?  There you will find detail steps to take     

If you have any questions,come back here and post.

[randaljon]

Ok thanks. I have 3 collections on my account. I sent 3 DV Letters out today. Certified mail with return receipt requested.

When you send mail to the Credit Bureaus do you have to send it certified or can you just send regular first class?

[RobertEG]

If you dispute the debt or anything in your CR, there is NO need to first do a DV.  Unless you live in Texas, there is no period for them to repond to a DV letter.

Meanwhile, the disputed information remains in your CR.  YOu can do either one before the other, or both at the same time.  If you wait first for DV response, it may never come, and the dispute of inaccurte credit repoting would meanwhile remain unadressed.

DVs and disputes are separate matters, under entirely different statutes.  DVs deal with debt collection practices, and disputes deal with information in your CR.

Debt validation and verification both deal with DV letters, and not disputes.

The broad title of FDCPA 809 is "Validation of debts."  Under that broad umbrella are both requests to verify the debt (the amount of the debt) and to provide the full name and address of the original creditor.  Verification is one element that you can request under validation.

[randaljon]

Oh they were for seperate issues. I sent the DV letters to collectors and I was sending seperate dispute to the Cred Bureaus for inquiries.