I have a couple of items that have been turned over to collections, but have not hit my credit yet. Is it worth it to request a letter of validation, or should I just send a settlement offer since it won't affect my credit at this point if I only pay cents on the dollar?
Have you tried to settle with the origional creditor first? Validation is best used once you receive a dunning letter from collections. This starts your protections under the FDCPA and mabye your states laws..
OK, I'm pretty sure I already received those.On one of them, the OC is still trying to contact me too. Just want to catch them before they show up and I have to do twice the work