1. Ask the bureaus to verify debt. 2. If the bureau verifies the debt I make a decision on wheather to contact the collection agency or not. I contact them if the debt is less than 5 years old. I figured it is going to take about 1 to 2 years to clean up my debts and why pay it if the debt will fall of before I am done with my clean up efforts. I have ran into a problem with Telecheck. I have not bounced a check in over 5 years. Telecheck contacted me a couple of months ago regarding a couple checks. The statue of limitations on collecting these run out in a couple of months so I decided to leave them alone. Yesterday, I received in the mail a responce from one of my disputes from Trans Union. They removed 10 of 11 accounts from another collections agency and low and behold there were the 5 checks from Telechek. Telecheck had not reported before. The problem is that they have listed the date of debt as December 1999, when in fact is was prior to March of 1995. They did not get the debt assigned to them in December. How should I go about challenging this with Trans Union. Should I ask for a photo copy of the check to prove when it was wrote? I am unsure if they have reported it to any other bureaus, does anyone know who they report to? Just when I thought I finally made a step forward they send me back 3.