I need your help please.

A negative account can only be reported once on your report. You need to dispute the additional reporting as duplicate reporting. The CRA then has 30 days to investigate your dispute and either delete the account or verify and notify you of their findings. If they delete any information as a result you will be provided a new corrected copy.

AS to which way is easier, on line is definitely going to be more conveniently, however leaves you with little or no documentation should a problem arise later on. Personally I would recommend all disputed be made by USPS. I personally don't feel this particular task requires the use of Certified Mail Return receipt.

The date of charge off does not change when the accounts pass to different collection agencies. It might be possible that the CA is trying to re-age the accounts with the intention of keeping negative information longer in your file.

The item must fall off from your file after 7 years from the date of first delinquency. It gets removed automatically or else you need to contact the bureaus for this purpose.

The same account should not be listed in your file for many times. You must dispute with the bureau and fix the error.

Thank you all for taking the time out to answer my post. I will definitely use a copy of that validation letter and find out more about those accounts I can't recall opening.

As far as my delinquent account goes. I'll check the 7yr mark (which should be sometime next year) and see if it falls off). If not I'll be calling the Credit Bureau.

Thanks again guys, I appreciate the help.
Will keep yall posted. :P

The best way to dispute is sending out letters to the bureaus in the mail rather than online.

1. Send a letter requesting validation to the collection agency (our buddy Bob in the preceding example).
2. If you don't know the address of the collection agency, here is a tip to help you find it. Bbb.org
3. Dispute the collection with the credit bureaus.
4. Wait 30 days to hear back from the collection agency. Most likely they will not respond or they will respond saying that they received your letter. Only a letter which includes:
o Proof that the collection company owns the debt/or has been assigned the debt,
o Complete payment history, starting with the original creditor, and
o Copy of the original signed loan agreement or credit card application
is satisfactory.
5. If they haven't sent you satisfactory proof, send a copy of your receipt for your registered mail, a copy of the first letter you sent and a statement that they have not complied with the fdcpa and are now in violation of the Act. Tell them they need to immediately remove the collection listing from your credit report or you are going to file a lawsuit because they are in violation of the FDCPA, section 809 (b).
6. Wait 15-20 days to hear back after this second letter to the collection agency. They will either remove it or not respond.
7. If they do provide a contract with a signature from the original creditor showing that you owe the debt, there is one more thing you can try: see if they are legally licensed to collect the debt in your state. .
If you believe that they are not licensed, and licensing is required in your state, write them another letter and tell them they are in violation of your state's collection laws and are subject to prosecution and fines. Cite your state's fines and procedures in the letter. This is a last ditch effort, but has worked in some cases.
8. Typically, your work will stop here, as most collection agencies will bow down to your demands and send you a letter agreeing to remove the listing. Now all you have to do is send a copy of the letter to the CRAs.

PRINCESS, I have been reading your posts for a while. You seem to have good knowledge about credit repair. Your participation will be appreciated and helpful to others in need. Make your stay comfortable here and if you have any problems, let me know.

i just came across this website yesterday and i signed up, and i had the same problems with my credit for the last two years, i have been there, and i know how somebody feels if you have bad credit. Am willing to help with any question? Beleive me i have been there and i know how it feels.