GW and Credit Bureau dispute??

[joser1223]

I have 2 account with derogatory info on them. Do you guys recommend i send GW letter to the credit card companies and at the same time dispute the accounts on the CR  or not?

[casmith1980]

i recommend starting with a CB dispute, if it comes back as verified, then send the CA a DV letter.

If the information they send you is sufficient, then start with a PFD (if there's a balance), if 0 balance, send GW letter.