Many times, in order to sell the account to a collector for a higher amount – an original creditor will add hundreds of dollars in interest and late fees to an account before charging it off. The balance of the debt doesn’t affect Credit in Motion ability to assist you in veriwcation – this change in the account balance does not affect your program cost either.

Credit in Motion offers its members assistance in preparing Account Verification Requests & Report Data Disputes. Members of the Document Preparation Assistance Program are also offered other benewts through independent service providers; these benefits include but are not limited to, education regarding debt veriwcation programs, good financial habits, and credit health. The funds that you pay go towards these benewts, as well as the document preparation assistance offered by Credit in Motion.

The Fair Debt Collection Practices Act (FDCPA) mandates that every collector must send you a written “validation notice” within wve (5) days of the wrst time they contact you via phone. This validation notice is a collection letter, and must include the following information:
a. The amount of money you allegedly owe
b. The name of the collector seeking payment (their company information)
c. That you have the right to dispute this debt within 30 days
d. Disputing this debt is our debt verification process