What is a validation?
After a regular investigation is completed and the information is verified, the trade-line will remain on the credit report. One of our processing department’s options is called an escalated dispute, or validation. There are two types of validations. The first is done to the credit bureau. We have the right to ask them to report to us how they received the information they used to verify the trade-line in question. The other is sending a validation letter directly to a collection agency. If the collection agency cannot validate this information in 30 days, we can ask the credit bureaus to remove it from the credit file because the information was not validated.
