Sharing some gems this morning , if you’re struggling with fixing your credit go back to the drawing board . You got this ! 1. Validation of Debt → Original Creditor's Name: Confirm who the debt is actually owed to. → Account Number: Request the original account number associated with the debt. → Debt Amount: Ask for a detailed breakdown of the total amount owed, including principal, interest, fees, and any additional charges. → Proof of Assignment: Request documentation showing that the collector has the legal right to collect the debt (e.g., assignment agreement). 2. Account History → Transaction History: Request a detailed account history that shows all transactions, payments made, and changes to the account. → Original Contract: Ask for a copy of the original contract or agreement that created the debt, including any terms and conditions. 3. Documentation of Fees → Breakdown of Fees: Request a detailed explanation of any fees or charges applied to the account, including late fees or collection costs. → Interest Rate Information: Ask for documentation of the interest rate applied to the debt and how it was calculated. 4. Communication Records → Record of Communications: Request a log of all communications made regarding the debt, including dates and methods of communication. This can help identify any violations of the Fair Debt Collection Practices Act (FDCPA). 5. Consumer Rights Information → Rights Under FDCPA: Request written information about your rights as a consumer, including your right to dispute the debt and seek validation. 6. Proof of Licensing → Collector's License: Ask for proof that the debt collector is licensed to collect debts in your state, as required by state law.