debt validation letters to creditors

Question on the Letter to the creditor and the collection agency?

Hello everyone! Question: I have letters from a collection of the debt Young of different small businesses (less than $ 100) that I was there about 4 years. I know that the debt remains outstanding on my credit. Should I send a letter "validation" to these collection agencies, or simply pay the amount and send a "letter of good will" by asking to have information refusal of my credit report? Second question: I was a bit of late payment by credit card is already closed but it was worth. I know that the card credit of the company has since deleted my account and they couldnt find my information when I called. I send a letter of "validation" to have them removed this from my report, or a "letter of good will" to see if they will remove it. Thanks in advance to all who responded … I really could use advice from the pros! Thank you!

You many questions here you realize it or not. A review of validation is a means of forcing that the company verifies the original debt and the creditor. The collection agencies do not have this information much believe it or not. If you dont, go away. Most are based on the fact that most people do not ask for debt validation. Remember however, if no request validation, which is not supported debt. If you wish to pay and wait to a home, you need in writing before paying the debt. Contact them, tell them if they disagree with the report of this collection to Experian, Equifax and Trans Union, you must pay the debt exceeded. Ask them to fax a letter to you for your records. You can use it later to remove a negative entry if not removed. The credit card company could have sold your debt, so can not have an account registration. May or too old, and helped to information. Anyway, yes, this debt validation request. If they can not, must be eliminated. Tell them you want validation within 30 days. Send certificate and keep a copy with the receipt certificate for your records. If they do not or can not be validated, send a copy of his letter to the credit bureau and request that the post was deleted it can not be validated and question the validity. It should be noted within 30 days.