On my TU report....I have two collection accounts. Both of which, I am not exactly sure for whom they are collecting. Should I dispute the accounts online(mail or phone) with TU "these are not mine" or should I contact the collector and attempt to have them validate the debt then negotiate (if it has not been paid already) for removal? What do you all think?
I would send them the validation letter. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=1&postid=85495#post85495