First, stay off of the phone with CAs. Any future correspondence do in writing.
Next, if you haven't yet, get copies of all 3 CRs. Get them directly from the 3 CRAs.
Opt out - Go here and opt out. It keeps the CRAs from giving out your info to 3rd parties/CAs, etc.
www.optoutprescreen.com
Once you get your CRs, dispute all personal info. Have any name, ss#, phone #'s, address variations removed. Employment info can be deleted easily. It would be ideal if all they have is your CURRENT info, one addy and that's it. The less info they have on you, the easier it is to have disputed TLs removed.
Once you have update all personal info on your CRs, then go ahead and dispute the collection accounts.
If the CAs are calling you to make payment arrangements or harassing you to pay, then send them a Debt Validation letter with a limited cease and desist. This tells them that you will only deal with them by mail and they cannot call your home any more.
Hope this is making more sense. It is confusing at first but after a little bit of reading, it will start to click.
Also, just keep coming here and asking questions. Everyone here is very helpful and friendly.
