[greginky]

Okay, I am not sure if I am doing this right or not. First I want to say how happy I am to have found this site. I have learned a bunch already by reading here. My question is this, I disputed a couple of items on my Equifax report. 1 was taken off, the other 2 were "verified" After thinking more about it, I am sure that one of the remaining bills is legitimate, it looks like from reading here that my next step is to send a letter to the Collection Agency requesting they send me validation of the one I am still in question of. I found the sample form letters and plan on requesting validation. Does this sound like the course of action I should take? Right now I have no credit at all showing on my CR, I want to establish some form of credit so that I can start rebuilding. I still don't know what my credit score is yet. I plan on purchasing that and from what I have read here so far, is it better to just purchase each one individually at first or go for one of the agencies that give you all 3? Thanks.