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This site explains how debt collection works as a system. It is not legal advice and does not tell you what to do about any debt. For your rights and official guidance, see the CFPB. What this is.

The Bureaus

The Bureaus

All The Bureaus articles from Validate Debt First.

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Bureaus 6 min read

What Reinvestigation Actually Involves

A walkthrough of how a credit bureau reinvestigation operates: what moves between parties, what the record captures, ...

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Bureaus 6 min read

How a Collection Tradeline Appears

A collection entry is a separate tradeline furnished by a separate company. How it arrives on a report and what it contains.

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Bureaus 6 min read

How a Reporting Dispute Is Routed

A dispute about a credit report travels between the bureau and the furnisher through a defined system. What each step does.

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Bureaus 6 min read

How a Tradeline Ages Off a Report

Adverse entries drop off a credit report on a schedule tied to one date. How the calculation runs and what it does not affect.

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