I have a Verizon TL showing up on all 3 bureaus w/ a $ balance. It was pd in '97 in a settlemnt (no I don't have proof). Up until past few mos, the bal on the TL was $0 , now it says $52!!! Someone said dispute with the CRA's, but now I'm thinking I should dispute with the OC? I already emailed the office of the Pres. of Verizon, 40 days or so ago, and have rcvd nothing (although they stated they would get back to me). So, how do I proceed? Which letter do I use and to whom? Here's the big one - Next, the OC (cred union) for the car I had repo'd in '98 never sent me to collections. SOL in AZ is 6 yrs on written contract. (1st delinquent 2/98). Y Chat mentioned that I should dispute it as 'not mine' w/ the CRA's be/c the CU may not be able to verify it. But I've read on here, isn't it better to get validation 1st from the OC? and then go from there? Last, an OC sent me to a CA. I never pd them. It's been sent to another CA now, and it's not on my CRA's, but I don't want it to pop up either. OC is Bof A who I'm 99% sure can't verify the debt (verify or validate?) anyway, how do I handle this? Thanks in advance!