questions from a newbie Ok I've read many posts for the last couple of weeks. I think I've read almost about everything. I've also some up with some questions that may raise more questions. 1. what is estoppel? 2. who should i dispute first? with credit bureau or the credit reporting agency? 3. am I sending a validation letter to both places? 4. between the sample letters which one should i send first? debt validation, cease and disist, dispute debt? 5. WHat should I include in the letters. as far as should i include codes for where these laws are stated? 6. and i have a credit card that has given me 0% interest while paying off my debt which I have taken the offer and now i have a good standing with them and for each ammount that i pay off I am given a small limit. Will that affect me in any bad way. I hope you guys can help me with this. BEfore I actually attempt to do anything I would like to figure some more things out.. thanks susan
