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Debt validation letter? Has it helped anyone?
Ok well long story short, promptly when I was 18 I proceeded to mess up my credit and like any 18 year old had no thought to the consequences. I now have 5 accts in collections says credit karma and 2 accts severely past due. Only problem is I only recall to 2 severely past due accts. I have no clue what these collection accts are and am thinking of sending debt validation letters due to what I've read thus far about them. None of the debts are more then 350.00 . And i figure it couldn't hurt to try it out. Has anyone had any success with this method? My score is 593 ( I know terrible) but I'd really like to get on with my life and have good-ish credit and I often feel hopeless about it. I'd like to get a reliable vehicle and can't really get approved without ok credit and one day I'm sure I'd like to buy a home. HELP!

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