DV or Dispute first???

[EDub357]

What is the first step for fighting  a collection on my CR? Do I DV the CA or dispute with the CRA?

[Anonymous]

Dispute with CRA is your LAST resort.

Start with DVing (at least twice) the CA.

[llecs]

As demed mentioned, dispute last. Disputing can cause bad things to happen.

Keep an eye on your SOL! Waking up a sleeping debt is a good way to get sued.

[Anonymous]

Ok, looks like I screwed that up as I have disputed baddies on Experian and Equifax.

Good thing is all of them are outside SOL.

Should I now wait for CRA's to report back from investigation and then start DVing, or should I start DVing now? 

[RobertEG]

Unlike disputes, the right to DV has a thirty date time limit from the date of the formal collection notice.  YOu can only DV a CA, not an OC or a CRA.  I would DV right away.  You can also dispute with the CRA, or directly with the OC.

[Anonymous]

The consumer has a right to a 30dd to dispute debt from receiving the notice from the CA. The CA has an obligation to send a notice regarding the 30dd right within 5 days of initial communication with the consumer.

Communication with the consumer begins when the CA makes the consumer aware of the existence of a debt.

Now, if I find a new inquiry or a TL or a Collection  on my consumer report, I deduct that legitimate or not I have a CA on my back.

Unless I don't care about the credit scores, or I would rather wait the TL or Collection ages gracefully and goes out of SOL, I can take action as soon as I am aware of the CA actions.

Even if the CA commits a violation by not informing me within 5 days of the first inquiry or reporting to CRA, it doesn't mean I can't ask for DV.

I can ask the CA for DV AND notify the FTC\AG\BBB of the CA's violation.