I have pulled my credit report and wow, what a mess. My New Years' resolution is to clean this up and hopefully never get into this again. So, now that I am looking at it, I have some questions. 1) I have an account that was always in good standing (paid off) but only shows on one CA. Should I request the other two report it? 2) I have seen a few people on here say even if the debt is yours, ask for validation? At what point do you NOT do this? What are the risks of doing this? 3) Is Capital One as tough as everyone says? The debt is from March 1998 and is a CO. Should I stay quiet and wait for the SOL to finish? I believe CT is 6 years. I am sure I will have more questions as I go along, but want to start out with this. P.S. This site is wonderful and so glad I found it.
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