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· This list is provided to assist you in sending your Debt Validation Letters directly to the appropriate agencies. By using the correct mailing addresses, you can ensure that your letters are properly delivered and that your requests for validation are handled in compliance with the Fair Debt Collection Practices Act (FDCPA). Important Reminder: Debt Validation Letters should be sent only to third-party collection agencies, not to original creditors. It is recommended to send all letters via Certified Mail with Return Receipt Requested to maintain proof of delivery. Having accurate addresses saves time and increases the success of your credit repair process by ensuring that your correspondence reaches the right party.

DEBT VALIDATION LETTERS These letters are specifically designed to be sent only to collection agencies in order to request verification and validation of any debts they are attempting to collect. Debt Validation Letters are a critical first step in the dispute process, as they legally require the collection agency to provide evidence that: The debt is valid The amount is accurate They have the right to collect it Important Note: Debt Validation Letters should not be sent to the original creditor — they are intended for use with third-party collection agencies only. Properly using these letters can protect your rights under the Fair Debt Collection Practices Act (FDCPA) and help ensure that inaccurate, outdated, or unverified debts are not reported against your credit profile.

DISPUTE LETTERS Dispute Letters are specifically designed to be sent only to collection agencies. These letters request that the agency provide documentation verifying the accuracy and validity of the debt they are attempting to collect. If the collection agency cannot provide sufficient proof, they are required to cease collection efforts and remove the item from your credit report under the Fair Debt Collection Practices Act (FDCPA). Important Note: Dispute Letters included in this kit are intended for communication with collection agencies only they should not be sent to the original creditor. Proper use of these letters can protect your consumer rights, ensure the accuracy of your credit profile, and support your journey toward stronger financial health.

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