Hello, I have decided to forgo the credit repair comapny and try this by myself....(uh.oh) first I have gotten the letters typed just want to ask questions and verify before sending. I have already paid for less than balance on 3/4 accounts through a debt relief compnay. 1. Am I to send these validation letters to: original creditor? or debt settlemtn compnay? 2. I have already admitted(by paying) that the debt is mine so is this even worth it, or am I "backtracking" in a useless manner? 3. Where on the credit report is the date that the seven years starts? Please advise my heart stops each time I look at my reports becuase I have always ahd perfect credit...just got talked into something by the debt relief people.....frustrated... erin
