Needed some help. I have four different accounts that were verified by all three CRA's. I want to draft a dispute letter to each of the four creditors asking for validation. 1. Do I need to send each creditor three letters...one for each CRA..in case i need to send this info to the CRA directly? 2. What things do I ask to be validated? Do you have a copy of your letter that you use for the creditor? I have seen your collection agency letters but wanted to see one for the original creditor. 3. If i receive no response from original creditor and next CRA dispute comes back verified...do i send in all my info and paperwork ad say they never verified for me. Why would they believe me and delete that way when their own people got verification Thanks so much!