I saw the letter and it looks like I'm disputing the balances itself. Just curious, does anyone have a letter they can post that I can cut and paste. I know I'm supposed to deny that I was ever late Thanks again, GT
http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=1&postid=85495#post85495 It was the validation letter. Didn't know what to change the wording to (Hoping the experts can help me out here)... GT
They have to prove 2 things. 1/The date it was due. 2/The date it was paid. If they can't prove either of these then there is no way to prove there ever was a late.