i have a ca(United Compucred Coll) i sent them a pfd-they responded with verification of debt of $114. i called them also-they told me in no uncertain terms that even if i paid in full they would not remove from reports!! so i contacted the oc(Olan Mills)- they emailed me back and stated to go back to Coll agency!! i am stuck-should i now send a gw ltr to oc(olan Mills)?????????? byrdman and others are you out there???