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So, first off, let me thank everyone here for the great resource that you provide as I've been trying to get my credit back into the 700's after having a few issues. I did some labor trading with a dentist for labor around 9 years ago when I worked for my old boss doing IT and received a bill shortly after getting the work done in which I was told by the dentist to ignore and that it would never go to collections. I have NEVER signed for anything with this dental office at all but out of the blue I get a $900 collections notice almost 9 years later. This same dentist has now sold his original practice by himself and is in business with another dentist with a different company name. I disputed it with Transunion who just said it was verified with no information past that. I didn't have access to the resource flow chart that I found on this website so my question is should I send a DV notice via certified mail to owner of the debt (C? If so, directly to the original dentist correct? If they don't have anything signed by me and only send back a copy of the bill is that sufficient enough or should I work further down the flowchart? Thank you in advance for your help! EDIT: I should probably specify that I received no notices ahead of time nor phone calls that this would be placed into collections; It just randomly appeared on my credit reports.

I wasn't sure where exactly to post this but wanted to get it out there and see if anyone could offer some advice. I have been clearing up my Credit Report for the past 2 years and was almost at a respectable 670. I had a dental bill default and go into collections as the insurance was dragging its feet since they were over billed. My insurance payed their portion of the bill ( i never got notification of this) and I paid the collections people the remainder as soon as I got the reduced bill from them. Is there any way I can dispute the negative on my credit report as it was reported before the final adjustment was made?