The process of invalidating erroneous debts is an analysis of your credit report and preparation of correspondence to your creditors or collection agencies seeking validation of your debts. Once you are enrolled in our validation program, a dispute package is sent to each creditor and collection agency demanding that they provide the correct documentation and proof of their right to collect from you pursuant to state and federal law.
If the creditors and collection agencies are unable to provide accurate documentation, which we find is often the case, the debt is classified as invalid and therefore is unable to be collected upon.
Once the accounts have been deemed invalid, we begin working with the credit bureaus to eliminate any derogatory marks on your credit report associated with those accounts. Over time, this repairs your credit score. This is the most effective way to eliminate invalid debts and repair your credit while expending the least amount of money.