Hey gang, I've been lurking and reading and requesting my credit reports. I appreciate all of the good info on here. I recently dipped my toe in the water by beginning some online disputes. Although I haven't heard anything official yet I was online at Experian and one of my disputes has switched from "Pending" to "Remains." I'm assuming this means that the CRA has "verified" the debt. Since this one is a $55 charge for some bizarro thing that was last reported in 1997, I figured it would easily fall away. Oh, well. I'm thinking my next steps are to: 1) Send a request via CRRR to the CRA asking that they tell me exactly how they verified this tired old thing. 2) At the same time I plan on sending a validation letter to the CA via CRRR asking that they prove this $55 is mine. 3) Lastly I'll be on the lookout for the CA to get interested in me again and send them a cease & desist letter via CRRR. Does this sound like a valid plan? I have read a million posts but I need to lay it all out like giant flowchart to make sense of it all. Thanks for you input Tom