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Showing results for tags 'credit reporting agency'.
Ok, so I have 3 collections on my reports. I've sent letters to the three attempting to settle/PFD. If it's been a couple of weeks and I haven't gotten a response, should I dispute them with the credit reporting agencies, hoping they won't respond to them? What happens if I dispute and they do respond to the CRAs? Does that change anything with the collection/possible settlement process?