When you submit a dispute to a junk debt buyer or to a collection agency, you get debt validation in return. Therefore, it is very important for you to learn the validation you thus received is genuine and correct from all aspects. You must know how to recognize such validation otherwise unscrupulous parties may try to take advantage of your unawareness. Following is a brief description that will help you learn how to validate the validation.

Do You Know What Validation Actually Is?
When it comes to recognizing debt validation, the first thing that you must learn is to differentiate between what validation is and what it is not. In most cases, when you file a dispute against debt, all you get is a paper with your name and the amount you owe printed on it. The party against which you file the dispute does not care to clarify your doubts. Don't fall for such well-printed papers. A true validation document must contain every little detail about the disputed debt.

Look Out For Your Signature       
One of the various forms of a true debt validation document includes a copy of the loan contract that you and your original lender had signed. If you receive this copy, first of all you should look out for your signature. You already have a copy of the contract. So, if your signature is there, bring out your own copy and match the details in order to make sure you have been sent the right copy.

Paper Trail
A paper trail also makes a genuine form of debt validation. So, you may also request the same while filing the dispute. Paper trail refers to a couple of documents. For example, it must include a written notice to prove that the collection agency has been duly authorized to collect the payments. Make sure that the notice is properly signed by the original lender. Besides that, the paper trail must also include your payment history and a statement of your account with the original lender.

Beware Of Fake Collection Agencies
These days, there are many fake collection agencies wandering around in the market that will try to scam hardworking people like you. They will pretend that they have been authorized by your lenders to collect the debts. Don't take anyone's word for it. Don't entertain them unless they show a proof in the form of a true debt validation that the debt is indeed yours and that the lenders have authorized them to collect the same. 

When collection agencies contact you, it may result in a negative trade line on your credit report. Therefore, if the agency does not send you a response to your request for a true debt validation, you should immediately contact the credit agencies and request them to get the negative items removed from your credit report.