I have recently disputed some items on my report BEFORE finding this site unfortunately. I have read the thread "validation/dispute sequence" and realized it did it wrong. My question is: Should I just wait and let the original creditor and/or collection agency verify with CRA, hope a few drop off, then re-disput with the preferred validation/dispute sequence? SOL: In California the SOL is 3 years. What is the best way to approach a debt older than three years that is still being reported? Thanks!