Below is a professional and concise letter template you can use to request debt validation from the three major credit reporting agencies (Equifax, Experian, and TransUnion). Additionally, I’ll provide actionable steps to help improve your credit score from 600 to 700. The letter is designed to be clear, legally sound, and compliant with the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). Sample Debt Validation Letter to Credit Reporting Agencies [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP Code] Subject: Request for Debt Validation and Credit Report Dispute Account Number: [Insert Account Number, if known] Social Security Number: [Last 4 digits only, for identification] Dear Sir or Madam, I am writing to dispute the accuracy of a debt listed on my credit report and to request validation of this debt under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). The account in question is [describe the account briefly, e.g., "a reported debt from XYZ Creditor in the amount of $X,XXX"]. I am requesting proof that this debt is valid and accurate, as it is negatively impacting my credit score. Please provide the following information to validate the debt: The name and address of the original creditor. Documentation proving I am legally obligated to pay this debt. A detailed account statement showing the full history of the debt, including the original amount, interest, fees, and payments made. A copy of the original signed agreement or contract bearing my signature. Verification that the debt is within the statute of limitations for collection. Additionally, I request a copy of my current credit report and ask that you investigate and remove any inaccurate, incomplete, or unverifiable information related to this account. If the debt cannot be validated, I request its immediate removal from my credit report.