[Jerseee]

Luke,



Dashboy is correct. If you can answer this question then you should rethink your position on the matter:



If the debt is not valid--then why are sending in payments?



They can prove that the debt is valid if the CRAs ask because all they have to do is show them your monthly payment--so why not report it monthly. Honestly it really doesn't matter what they do if they can't verify it.