I started with the "original creditor", mainly medical bills. Time is up and I've heard nothing. I have since sent a few of the same requests for validation to the collection agencies. (still time for them to validate). It is my understanding now, after spending $84.00 on postage, that the original creditors are not bound by the 30 day time limit for validation. Is this true? What about utility companies that report directly to the credit bureaus. Are they bound by the requiremtent to report a debt as "disputed" once they have recieved a dispute? If so, can I sue? Finally, how about them judgements? I have several from 5 & 6 years ago. Is there any way to get them off my credit report without waiting 7 years or paying them in full? OOppps - sorry, one more question - I sent demands to all 3 collection agencies for several debts, some of which were listed as paid. They, in turn, sent me a generic letter saying that they had received my request and sent it on to another bureau, or requested even more verification of who I am. (I did not sent anything but a copy of mail to my present address!) Considering I have received something from them, does this give them more than the 30 days from the day they received the original request? Thank you in advance to anyone who can offer info. There are too many websites with conflicting info making a already frustrating situation even more so! Have a great day!