Hello, when using the hippa method to dispute an item on your credit report, is it necessary to send the pre-hippa letter out to all three CRA's or just one. For instance, if you sent the pre hippa letter to just one cra to verify, they verified so then you send the OC a money order with insert A, they cash it then you send the letter to the legal department asking them to remove it ,would this take care of all three CRAs or just one?