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Question about disputing debt with the the Credit Bureaus


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We have a collection agency after us, who is collecting for Cap 1. Now as part of the validation process, we understand that we are supposed to also dispute the amount that is alledged we owe, with the credit bureaus, however the collection agency isn't on the credit report, just Cap 1. Do we dispute Cap 1?

I hate all of this. We were getting all of our ducks in a row again, paying everything on time, bringing up our credit scores, and then we were hit with major car repairs, and everything went south.

I just appreciate this website so much, and all the great people who take the time to share their experiences and knowledge with others who are in need of information and help.


punky :)

Edited by punky
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