did you seek verification of the alleged debs with the creditors prior to the CRAs & tender a good faith payment in case thereof prior to your current payment status?


if yes, you are in honor.


if not, then you are in dishonor.


always seek remedy with the original party(ies) first & bring in third party(ies) when that fails.


you can always cure dishonor by becoming honorable - request verification from the original creditor(s) & tender a good faith payment.


speaking as one who didn't do the above as i didn't know then what i know now.


jon