I've been reading for couple days now and there're so many threads. Its just more i read ,more i get confused. I'm not quite sure about whole process. I have 6 chargeoff's and 1 judgment on my CR ( most of chargeoff's will fall off 2007 , judgment untill 2010) 1. Dispute it with CRA as not mine (if it comes back as Verfied ) 2. Send validation letter to Collection ( CMRRR) (I used validation 1 from ,sample forum ,sent today. and 30 days I don't hear anything , keep sending 2,3 ? I'm not quite sure what to do next. Can anyone give me the link which shows whole process. I've been reading these TOP 6 most viewed topics. but can't find what im looking for. Thank u