Randy Padawer (PsychDoc) is a Ph.D. in clinical psychology whose research interests range from personality testing to consumer credit.
He has been featured in publications as diverse as the Journal of Personality Assessment, the Journal of Consulting and Clinical Psychology, and Smart Money Magazine.
Dr. Padawer co-wrote the best-selling "FICO 850" seminar for The Motley Fool, and he consults for Lorman.com (the leading CEU provider for attorneys), Lexington Law Firm and others regarding consumer behavior and credit reporting.

I am new here, so I hope that I am posting in the right spot.

I just read PsychDoc's lesson 101. I have already sent letters to CRA's and a CA's.

With the CRA's I claimed only that I wanted validation, but with the CA I made the statement that I knew it was on my report and wanted it removed as well as a settlement. Did I do this wrong?