since i got my latest disputes back. TU deleted by FCNB charge off, but score didn't change. they verified student loan (sending nutcase letter) and another paid account with lates (possible nutcase letter). Question is regarding medical collections. I have two for less than 200 but they are recent (18 months ago). I have sent validation for one and sent both cease and desist letters. I believe I have them on violations because they still show on cr, even though I sent c&D. In addition, in response to validation, they sent only computer printout. They have not notated report that account is in dispute. Question is: Do I send Estoppel, even though I sent C&D letter..... Do I contact Original creditor with payment ? If I send Estoppel, should I note that I already have them on violations that could result in 1000 Settlement to me to entice deletion. TIA for assistance
