FAQ's
What is Validate? Validate is a self-service accounts receivable platform that helps small businesses recover unpaid invoices. You can send demand letters, report delinquent customers to a national credit database, and screen new clients — all for a flat $35/month fee.
How much does Validate cost? Validate is $35/month with unlimited use. There are no per-report fees, no contingency charges, and no percentage taken from what you collect. You keep 100% of every dollar recovered.
How quickly does it work? 65% of reported accounts are resolved within 14 days. Most businesses see results faster than they ever did with traditional collection agencies. Validate is early stage debt recovery, so it is faster and more effictive.
What types of debt can I report? You can report any debt less than 24 months old. There's no minimum or maximum amount required.
Is Validate a collection agency? No. Validate is not a collection agency. It's a self-service platform that gives your business direct access to credit reporting and demand letter tools — without involving a third party or paying contingency fees.
Is Validate FCRA-compliant? Yes. All reporting through Validate is fully compliant with the Fair Credit Reporting Act (FCRA). Consumers are notified of any report filed against them and have the right to dispute it.
Is Validate HIPAA-compliant? Yes. Validate is HIPAA-compliant, making it safe and appropriate for medical offices, dental practices, and other healthcare providers.
What happens if the customer doesn't pay after being reported? If a reported customer does not resolve the debt within 14 days, the delinquency remains on the national credit database for up to 7 years — creating ongoing leverage without additional cost to you.
Can I screen new customers before doing business with them? Yes. Validate includes a client screening tool that lets you look up a potential customer's payment history before you take them on — helping you avoid risky clients from the start. Validate also provides additional resources for free to research consumers.
What if I need to take legal action later? Validate creates a complete, auditable paper trail for every action taken on each account. If you ever need to escalate to small claims court or legal action, that documentation is ready to go.
