Starting to rebuild and just do PFD’s….but doing tons and tons of reading on this site has left me wondering if I should DV the first collection account that I’m tackling. On my CR’s….I have 2 collections on EQ and 4 on EX and TU. I am wanting to tackle the smallest collection which is only showing on TU and EX. It’s an $ 85 collection balance (original was $ 72) through EOS CCA. The original lender is AT&T. I’m not 100% sure what this is for and have not had anything with AT&T in several years. The latest date is showing as 8-13-12 which makes me think that was when this particular company got the debt. I was thinking I’d just do a PFD letter for the full $ 85 and be done with it….but now I’m wondering if I should attempt to do a DV. I’ve read good and bad on doing that. Any advice?