609, VOD (Validation of Debt), 623 or 1681 Method?
Wednesday night series – #4: Which letter and law do you use? 609, VOD (Validation of Debt), 623 or 1681 Method? Once you learn which law pertains to your derogatory account, disputing becomes easy! Check out the uses for the VOD (Validation of Debt) letter vs. the 609 template and you’ll see that they’re pretty similar except for the fact that the VOD is to a collection agency and the 609 is for the bureaus most of the time.
Although it can be confusing to determine what’s what and whether one letter type should be used over another, as long as you can break down the basics, the only difficulty you should have is just waiting for your results!
If you’re with a credit repair company that only uses templates to dispute your negative items, you might as well be doing it yourself, so check out this video and the other tutorials to get your file started.
Want to hand over the burden to an expert? Get a free consultation at
Please watch: “Do I Have to Pay Back Deleted and Charged-off Accounts on a Credit Report?”