Hello, My name is Daniel, I am in the process of starting to clean up my credit.. I have been lurking around here for a few weeks and like everything.. The one thing i cannot find, or havent seen I should say is information on my situation..
I have an account on my credit report that is listed as settled for less than the balance. The CA is Cach LLC, now I do not think this is my account and believe it to be my fathers account. He has the same name.. I have never settled an account for less.. Now what should the steps be to me getting this removed..
Do I start with a dispute to the CRA? If it comes back verified do I then dispute with the CA, or do a debt validation..
Any help would be greatly appreciated thanks to this forum I feel confident I can have great credit and not worry so much..
thanks
Dan
