What info do I need for debt validation letter?
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I only have a partial account number. Do I need the full account number in order to send it? I also need to know if I need to also send photo ID, SSN and utility bill to verify address. THanks, need help ASAP
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Answer:
Do not send any personal info/ID to a creditor. The debt validation letter is a request for the creditor to provide proof that the debt is yours and that they have the right to collect the debt. Send the letter certified mail, return receipt requested and give them 30 days to respond. Be very careful using form letters for your validation request. Many are just chock full of bad info and are confrontational. Using your own words will get you much faster results. If all you have is a partial account number, just indicate that.
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