I sort of modified the leter and made it personel. I will remove the last line. SO ALL in ALL this should affect 5 collection accounts because I am going to include portfolio recovery. It is an older account and should drop off in 2015 but I got declined from Walmart due to not enough credit and too many open collections. Thanks you guys, with 5 of 8 collections gone that should increase a bit, and hopefully ge me over the 600 mark. I am hoping. 
Hubby is not onboard with this he is a HUGE Dave Ramsey fan and my pay offs are not in the budget since Hurricane Isaac, we used that for a generator. *sigh* it never ends!!! There is tunnel has to have a light somewhere!
Generator? Oh yeah.. Had a problem here with ice storms, I have 3 generators. Still when I walk by one in the store, I'll stop an look. Do I need another one? Lol
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.