Validation Deadline Calculator
Enter the date on the collector's validation notice (or the date you received it) to estimate the end of your 30-day validation period. If you dispute in writing before then, the collector must pause collection until it mails verification.
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Your validation notice must state the last day to dispute. If you need to estimate, take the date the notice was sent, add five days (skipping weekends and federal holidays), then add 30 calendar days.
How this works
Under Regulation F, the validation period ends 30 days after you receive the validation notice. A collector may assume you received it five days after it sent it, not counting Saturdays, Sundays, and federal legal public holidays (12 CFR § 1006.34(b)(5)).
- If you enter the sent date, we add five such days to estimate receipt, then add 30 calendar days.
- If you enter the received date, we add 30 calendar days.
If you dispute in writing (or ask in writing for the original creditor's name and address) within the period, the collector must stop collecting until it mails you verification (15 U.S.C. § 1692g(b)).