Posts: 14,062
Registered: ‎04-15-2011
Re: what's the best start?

Yes, do a direct dispute with them, get the information for the original creditor and back track it from there.  Like you said, you really don't know where this came from.  It's with LVNV now, was with Chase and Wamu before that.  Information that changes hands so many times gets watered down.  Make them prove it was actually yours.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!