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I thought I knew everything about credit and credit repair until I found these message boards! I didn't even know about dv. I have some negative accounts on my credit report and I have recently accquired a husband with a low credit score. My question is can u send a dv letter at any point in time? I just pulled both of our credit reports and found accounts on both that I was not aware of. Is this enough for a dv letter or do I need a recent letter or phone call?

One more question-this is off topic but what is the best thing to do with paid collections (i didn't know any better at the time and was easily intimitated by the collectors)? If I should post this in a different forum, could someone please just let me know which one?

Thanks in advance!!

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