Unpaid Two Medical from Account Recovery Service - HIPAA or DV/PFD?

[Anonymous]

Hi there, I have two small balances from medical history in the past that I thought was taken care of. I just applied for a mortgage and found out that is not the case

One is for $92 and the other for $108 from Account Recovery Services. Would you recommend a DV/PFD? Or should I go the HIPAA route? Looking to get these off my report so I can purchase a house.

Thank you!

[Anonymous]

I would send a DV and if they validate send a PFD.

[Anonymous]

Thank you! That's what I was thinking. Would this work as a DV do you think? 

"I discovered that you claim I owe you a debt. Under § 809 of FDCPA, I am requesting validation of the debt, which includes a copy of the debt or judgment for which you are collecting.

Sincerely,

"

[Anonymous]

It's ok except I would leave out the part after "I am requesting validation".  They know what they need to send,

Also, just type your name, do not sign.

[Anonymous]

Okay, thank you very much for your help. Hoping to peak over score of 700 in a few months!