Sent cease and desist (communicate in writing only) to NCO while deciding to validate or settle (I know, but since we are so close to home purchase). Within 2 weeks (this past weekend) I received a collection notice from Van Ru for same account. 1) Van Ru isn't reporting to CRAs yet, but I am curious if I should send the validation anyway. 2) It is showing the OC under the "Creditors" column - can I assume that the OC still owns it? 3) Merged CR shows approx. $1500 balance, CAs show approx $3200. If I end up settling (with all the necessary precautions, ie: language protects me, requires completion deletion, not reassigning, etc), can I offer at 50% the $1500? 4) What is the best place online to have unlimited access to all 3 CRA reports? I have an old creditexpert account with Experian for my wife, but I want all 3 CRA reports available. Thanks!