I reccently sent a VOD package as outlined in CTC to some creditors. Several of them kept ignoring me and sending more statements so I treated each new one like another presentment and sent the VOD package again. They then turned the matter over to a collection agency which I assume told them we cant help because I never herd from them I just got another bill from the creditor for "collection agency fees." However, they have now put a smudge in my credit report which I did challenge by sending a dispute form. How do I get the negative marks removed from my credit report and go after the collection agent for slandering my credit when he could never even provide verification of the debt? Also, can I be denied future credit lines b/c of my using the CTC VOD method?

Thanks
jsjs1228
Ward of the court