Ai Debt Validation-Fight Debt Collectors
AI-powered validation letters that force collectors to show real proof or stop contacting you and delete the account from your credit report.
Dispute from Your Phone 📱 or Computer 💻 — Anytime. Anywhere.
Behind every powerful deletion is a letter curated with precision. Our Credit Intelligence Technology builds your letters with your exact details, your accounts, and your disputes — designed to challenge all 3 bureaus.
Ai-generated FDCPA-compliant debt validation letters
Ai-generated FDCPA - Failure to Valdiate letters
âś… Dispute: Personal InfoLate paymentsStudent LoansCollections Charge-offsBankruptcyHard InquiriesMedical BillsIncorrect limitsEvictions
What Validate Does
- Scans your Credit report
- Extracts collector info
- Identifies the law required
- Writes a validation demand
- Demands all proof requests
- Generates follow-up letters
Why Validation Matters
- 92% of debts are missing proper documentation
- A collector must pause collection until they validate
- Helps stop harassment
- Gain leverage to dispute or remove
What Validate Does
Scan
Scans your credit report and collection notices for red flags.
Demand
Creates FDCPA-complaint validation letters that demand real proof.
Track
Tracks deadlines and responses so collectors cannot ignore you.
Follow-up
Ai Generates follow-up letters when they stall, miss proof, or violate rules.
Why Validation Matters
92%
of debts are missing proper documentation.
3x
more leverage when collectors can't prove what you owe.
0
reasons to keep paying illegitimate or expired debt.
- Collectors must pause collection until they validate.
- Helps stop harassment and endless collection calls.
- Makes collectors follow the law or back off.
- Gives you written proof you can use to dispute errors.
- Protects your credit score from unproven debt.
- Helps you avoid paying debt you don't actually owe.
How It Works
Trust Section
Compliance
FDCPA §1692g
Security
Encrypted
Private
Data never sold
Pricing
GoldMost Popular$27
✔️ Professional Debt Validation Letter Package
✔️ AI-generated validation letters customized to your credit report
✔️ Automatically detects all collection accounts
✔️ Professional formatting with relevant FDCPA laws
✔️ Includes chain-of-title, ownership, and proof-of-debt requests
✔️ Metro 2 & FCRA compliance language
- ✔️ Unlimited collections included
✔️ Ready-to-mail, ready-to-upload format
FAQ
What if the debt collector doesn’t respond?
That means they should stop calling, mailing, or trying to collect, and they shouldn’t keep updating or re-verifying the debt with the credit bureaus without first validating it.
Can this remove the collection from my credit report?
if a collector fails to validate, they must stop collection efforts and may be required to correct or remove the account from your credit report.
Do I need my credit report?
For best results, yes.
Clever Kit Validate works best when you upload or connect your full credit report, so the AI can:
Find every collection account in your name,
Match them to the information in your letters, and
Generate separate, customized validation letters for each one.
Will this hurt my credit score?
Sending validation letters doesn’t add anything negative to your report. In some cases, if an unverified or inaccurate collection is removed, it can help your score over time.