Thnak-you atarvuzdar, that may explain the update. But i didnt even know Litton had my loan. The foreclosure was through B of A on the 1st and 2nd mortgage(California) and thats how my credit report shows the foreclosure. Showing the B of A entry as 30....60....90....120..... then the RF, RF, RF...... ect...... and thats where it should have ended (I believe). So Litton is not a Collection Agency but a Loan Service that is now owned by Ocwen. Is it possible to write Litton for validation of that debt or what other options do I have?? And again, is it worth disputing with only about 2 years left till the foreclosure drops from my credit report.