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HELP!!! I'm in the process of validating A LOT of things in collections. I've been working on this since December and I even signed up for credit monitoring service through Equifax. I'm feeling a little down because my score was at 567 and jumped to 618 (at the highest point) and now recently back down to 557 ... ugh. I also deleted old addresses. I need a mentor but anyways here is my question. I fired off one letter disputing only about 4 items in collections and one with the OC (DNB/Macys's)....I will target more after I work through this first batch of collections. During one of my disputes with the CA the OC responded back with a letter saying that they sold the account to the CA. The CA responded with a letter a few days letter a "summary of information." It included my name, date acct opened, other fees (which was zero), and balance due at the date of letter. I wonder if this is their version of the 1-2 punch...lol. So did they validate? They were able to prove the account was sold to them (them being the CA). Is this good enough? I need a list of validation items that a CA can show/prove. What should my next letter include? I hope it's not a pay for deletion...maybe for this one the fight is over...any suggestions?
