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Inquiry PDFs

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VOD Letter

VOD Letter

I'm going to put out another video this week (week of November 2, 2017), on the validation of debt (VOD) letters because I've getting a ton of calls this week where people are using them in such an incorrect manner that they're screwing up their files before I ever touch them!

Although I'm going to be doing the video, I want to put a quick message out there:

Do NOT use this type of dispute letter with credit card collection agencies and original creditors! Disputing direclty with the original creditor is a 623 dispute letter, NOT a VOD.

Here's an exception: 
There's a collection account (such as Portolio Recovery, Second Round, Cavalry, Midland, etc.) that is truly unknown to you because you never had a credit card before - you can use the VOD on this with the collection agency.

If you send a VOD letter with FDCPA statutes in it, you'll receive a reply that says they are not liable under the FDCPA. You'll have wasted 2+ weeks. On the other hand, if you send a VOD letter WITHOUT the FDCPA listed anywhere on the dispute letter, it may work for you.

My point is this:
You need to be VERY careful with these "direct to creditor/collection" dispute letters. There's a time and place for them and it needs to be handled in a manner that doesn't put you in their line of fire and that doesn't take away your right to sue.

The FCRA states that you must first dispute with the credit bureaus prior to a creditor dispute. Otherwise, you cannot take the creditor(s) to court. Having said that, why would you only dispute with the creditor? Or why would you send a FDCPA letter to an original creditor? Or a 623 dispute to a collection agency? Or a 609 dispute to anyone other than the bureaus?

I'll go into more detail during the video, so make sure you watch out for it! You may subsribe at

If you need immediate assistance with your current VOD/623/609/1681 credit repair issues, give us a call for expert advice at 845-481-0780.

Expert Credit Sweeps does not offer legal services, nor are we attorneys. Use this letter at your own risk. We have provided this for informational and educational purposes only

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