@itsjaviermedina: Say this to get it DELETED in 30 days ⬇️ If a debt collector says “we verified it,” this is what you say next: “The original creditor confirming that the debt exists is not the same thing as you providing written validation to me. Send the original account agreement, proof of ownership, and an itemized breakdown of the balance.” That line matters because “verified” does not always mean “validated.” After that, send a debt validation letter to the collector AND dispute the account with the credit bureaus. That two-step pressure gives you a better chance of getting the account deleted if they can’t properly document it. Comment “LETTERS” and I’ll send you what the debt validation and credit bureau letters should include. #reels #finance

itsjaviermedina

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Tuesday 04 August 2026 21:21:26 GMT