I requested validation on an account about 2 weeks ago. I have not recieved any attempt at validation on this account (not even a screen print). The CA now is reporting it as in bankruptcy on Equifax, not disputed. (As of yesterday it was just a collection acct on creditexpert.) I disputed the collection account a few days after sending the CRRR to the CA and haven't heard from EX yet either. Should i dispute it immediately or sit tight until 30 days are up? Or would I be better off leaving it on for a few months, for other CA's to see, so they don't bother harrassing me? <g>