Let’s talk about how to legally challenge debt collections on your credit report 💳📄 — because not every collection actually belongs there.” Most people don’t realize this, but you have the right under the Fair Debt Collection Practices Act (FDCPA) to demand that a collection agency proves the debt is real, accurate, and legally enforceable. That process is called debt validation — and it’s one of the most powerful tools you have for cleaning up your credit. Here’s how it works 👇 1️⃣ Request a

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