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flow chart ? cra's?


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No worries.

Easiest way to remember is CA's validate, and CRA's verify. Helps to keep the lingo straight.

Your dispute to the CRA's will be along the lines of "do not recall having an account with this company", "paid prior to collections", "balance incorrect", etc. They are verifying the validity of the entry.

The CA is validating their claims to the alleged debt.

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