The collector can’t validate the debt when requested \t•\tThe account is past the statute of limitations (still owed, but unenforceable in court) \t•\tThe reporting is inaccurate, duplicated, or missing required details \t•\tThe collector fails to respond within dispute timelines \t•\tThe debt is obsolete (usually 7–7.5 years from first delinquency) ✨Knowing your rights, using proper disputes, timing, and laws 👉 If you’re ready to do it the right way, comment READY ⬇️ Let’s get your credit work
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