I have a collections on my report for $56.00. I called the ca and they have no record of my collections, they suggest I call the celluar company which I did, now they show no record of my account. Do I DV the ca or the company and I need a good dv letter, please help because Jan 1st will make the 1 yr in trying to build my credit score and FICO is a hit with me. TIA!
