What step is next?

How long has it been? Did you have receipts sent to you?

It has been since March 15th. Yes i have receipts from the post office, from when it was delivered.

Welcome to the Forums :D are talking about a debt validation letter, there is no time limit to which they follow to respond. I have been sending letters to one company for over a year now, and the only response has been a computer generated paper from them showing one payment in 2004, and one in 2006!.Send them a follow up DV letter, state you are still waiting for the full debt validation-return receipt..Good Luck..KAren

I was under the impression that hey had 30 days to validate a debt. So is that true? Are they only to respond to the CRAs? On the sample letter, I used from this website states that they have 30 days to respond.

They have no time limit. According to the fdcpa, they can simply not answer and discontinue collection efforts. Some state laws govern the 30 day period though, and if they don't respond within that period must remove any negative remarks until they validate the debt.

In a FCRA dispute,they have 30 days to respond to the credit bureaus.If this is a simple collection validation,there is no time limit to complete it as long as collection activities cease.

So is it my best interest to send a Delete for Payment Settlement LETTER?

If they are not reporting on your credit report,wait until they can send you proof that it is your debt. If they are reporting, is the account reporting accurately.

The account is reporting my first name and my wifes maiden name as the account holder.

Is there anyway to get paid off collections account off of my credit account. Also is it true that points are deducted off my credit score from inquiries onto my credit

Alright answer to first question.Since account is reporting incorrectly,dispute it thru the three credit bureaus.A paid collection can be removed if it is reporting incorrectly and data furnisher refuses to follow the fair credit reporting act. Inquiries do hurt your score,but it is a very small difference so I would recommend tackling the bad accounts first before worrying about them. In my signature are links to the fdcpa & FCRA.Please read them completely so you undestand what you can do to fix your report.

Thanks for all the help, anymore suggestions? That can aid me in cleaning up my credit.

I put together a sticky topic at the top of the credit repair board that has a lot of useful stuff.Take a peek and let us know if you need any more help.