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Bing a PITA to the Creditors...

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Just thinking about additional validation games, and I was thinking, why not dispute whether the debt was actually charged off by the creditors, and request validation that it in fact was charged off?

I'm guessing it would be a pain for some of the OC's to provide documentation of that.

Anyone try it?

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  • 2 weeks later...

In additon to my debt validation, I also include these requests within my debt validation:

• An explanation on how a calculation was made on what I purportedly owed.

• An explanation of the procedures used to inform me of such an outstanding balance.

What it boils down to, I want to see some figures or equations on how they arrived to what they claim I owe. And I want to see what steps they (the original creditor) took to inform me of such a debt. I always try to put as much work on the CA as I can.

They have to provide me the proof so I may as well ask for everything.

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