Would you send a validation letter to the CRB, collection agency, or the original creditor. I'm fairly new to this and I'm learning new terms everyday. Thanks for your input ahead of time.
collection agency. you could modify the letter for the original creditor if need be. The idea is that you didn't have an agreement to an assignment of a debt to a collection agency, so you really don't owe an agency (unless you agree to the assignment by making payments, making arrangements, etc). You need to read this other site completely: it saved my butt. It's :Electronic Credit Repair Kit, found at http://mix6.com/credit and mirrored at http://www.primenet.com/~kielsky/credit
