VERY MUCH appreciate any insight or assitance the veterans can impart. OK, after reading this is what I came up with. My goal: Is to get all PAID COLLECTIONS and SETTLEMENT ACCEPTED ON THIS ACCOUNT deleted from all three of my reports. I have two good tradelines, my mortgage and my student loans. Everything else is listed as paid collections. I have two game plans but not sure with one to go with. Since I have already disputed the items with the 3 CRAs and they all came back validated. PLAN 1: Step 1: Since all the accounts that are listed as paid are being reporting by collection agencies, my first step is to send them a validation letter CRRR. Step 2: Two weeks later dispute with CRA's again and hope they get deleted. or PLAN 2: Step 1: Send validation letter to CA Step 2: Send 2nd Validation letter w/ copy of first letter included. Step 3: No debt Validation remove tradeline Any advice on this would help.