I need some advice before the morning

[shllby1]

I am doing my dispute letters tonight so I can send them out tomorrow bright and early and I am wondering if I dispute with all 3 CB's at the same time and just add in each letter all the collection accounts? Or do I do them one at a time? Should I just put in my letters that I recently reviewed my credit report and would like verification of these accounts or do I say I dont recall doing business with them??? I am at a lost on how to approach the CB beings this is my first letter? Do I send the CMRRR? thanks!!! I am sorry if this is too many questions, I feel like I am so overwhelmed and my brain is fried!

[chilton1]

Send one letter to each bureau and say account not mine. yes you can send it CMRRR.

[MadinKS]

I would dispute all on one letter. Some would say just start with "no knowledge of account" and some say be specific. I would go the route of specific. You could mix it up too. Some no knowledge (maybe the older ones) and some more specific, i.e. balance incorrect, date of last activity wrong, past due amount incorrect, etc. If you make them dig for the information the more likely to get a delete for lack of verification and the less likely it is for them to update your personal info and call it verified. It's up to you. Good luck. Let us know how it goes.

MadinKS

[shllby1]

Thanks guys, I appreciate it and will let you know how it goes. Wish me some luck!

[chilton1]

goodluck.

[willingtocope]

Good thought from here too.

Note...one of the reasons that some folks say to send one letter per dispute is that in case you wind up in court, you really only want the one dispute to show as evidence. IMHO, if you've got a bunch of related things, that you're probably not going to sue over, then grouping them together is fine...but, if you think you're going to wind up in court over something, send it separately.