Thread: Questions about Disputing/Pay for Deletion Letters

I am very new to the whole credit game, and i had a few questions. I am about to graduate college, and i am trying to to get my credit straightened out before i do. Two years back, i moved around a lot, and a few (6) random bills fell through the cracks, got sent to a creditor, and posted to my credit. The total of all of these bills is less than $1500. I have paid off about half of these bills, and then i got to reading, and discovered that paying off these accounts wont really help me for another 5 years when they fall off my credit anyway.

So my first question is: How do i dispute the accounts i have already paid? Do i mail a letter, or do i Fax? Where do i mail/fax to and WHO is it adressed to? I have read the "Got My Results Today On Disputes" post and the results seem very promising. I just need to know who needs to see my dispute, and how i get it to them.

Second Question: How do i do the whole "pay for delete" deal? I have come across a few templates for the letter on this site, and they seem straight forward. WHO do i mail this letter to, and WHO is the letter addressed to? Am i better off just challenging the account, or should i try to "pay for delete" first?

Thank you in advance for your help in solving this matter.
-Dan