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Should I send DV to CA or wait? PLEASE HELP


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I just got a copy of my husbands and my credit reports and in the process of disputing with the CB. Sent out a letter this afternoon for both my hubby and I.

This afternoon my husband got a letter from a CA that was not on his report. The OC has the account listed as a CO but still has a balance listed. The CA (Northland Group Inc) is basically offering a 50% settlement.

What should my next move be? I know I should alway dispute with the CB first, but since I only have 30 days to dispute the validity with Northland, and I just sent out the letter to CB, should I send Northland a DV?

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