A little help...

[trinak]

Hi,

I'm new here and have read, read, read; not only here, but on many other credit repair forums, as well. I have found this one to have the most knowledgeable (it appears) people who seem very willing to help. With that said, here is my circumstance:

I pulled my 3 credit reports and after reading at creditinfocenter.com to start off disputing each item as "not mine", I started by disputing a derog that was originally an overdrawn checking account from 2001/02 and given I had not heard from OC or any CA's about it, nor made any payments, am positive is out of SOL. It was sold to a JDB (RJM ACQ LLC) who reported the derog to Ex and TU, showing date opened as March of this year. I disputed this online with Ex only as "not mine" (I now know better!) and it came back verified. Within a week, I received the first bill I've ever received since I incurred this debt, from CA.

About a week ago, I sent DV letter to CA, via CMRRR, which they received yesterday. I was wanting to try the 1-2 punch, but I'm unsure if I can with Ex, since I've already disputed the debt as "not mine" and they verified it. If I can still dispute it, now that CA has received my letter, what, if any reason should I give, or am I even going in the right direction?

Thanks in advance for all of your help!