I planning to buy a home soon and I need to get some things cleared up soon. What's the best way to deal with paid and unpaid charge offs? Disputing as "not mine" or "no knowledge of account" was unsucessful in December. I have had two removed by calling creditors directly but others keep giving me the 7 year line. Most are subject to fall off this year. Also, I settled on an collection with Circuit City in 96. CC did not verify with TU so it was deleted. CC did verify with Experian and it remains as well as the collection agency. Should I send the CA a validation letter? Why are they still reporting anyway. None of the other CAs are reporting.
