My initial plan is to write both the CRA for disputes (1 to 2 items each letter) as well as the collection agencies themselves challenging the debts (using Marie's letters, 1-3). First however, I would like to obtain the 3 reports. What do you guys recommend? Where should I order these and where is the least expensive to get them in a timely fashion? Are the online ones just as good as the ones through mail? Also, how about the 3 in 1 merged reports? Are those recommended at all? Secondly, when I dispute the items on my CR and send stuff to CRA, I should only dispute 2 items at post per letter, right? Also, can I send out 10 letters disputing 2 items per letter, which would be 20 letters or will this be too much? Do I just need to dispute 2, wait and keep doing that? Thanks everyone for all the help you have provided.. I feel like I see light at the end of the tunnel now.