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Some websites recommend that when you see FIA CSNA listed on your credit report, it is best to file a debt validation letter. Does that apply to all debtors - even those who pay their monthly payments regularly? Thank you!
You should send a debt validation letter if you think that there is a debt on your report that you do not owe or that is not yours. I am not sure what FIA or CSNA has to do with it. If you see a debt listed that you do not agree with or you have a collector trying to collect a debt that you do not feel you owe then you should send a debt validation letter.
Debt validation letter
Thanks so much! That helped clarify a lot for me because many of the websites I consulted recommended to file such a letter as soon as you see FIA or CSNA listed on your report - instead of specifying in which particular cases you should do so. It didn't make much sense to me since just like you say - I also assumed you would only need to send such letter if you want to dispute the debt. Thanks again!
Yes, if you own the debt then why would you dispute it? Is there something on your report that you are particulary concerned about? If so, what is it? Maybe we can be more helpful if we had more information.