Lori, Thanks for your reply. I actually paid the stupid $38 first thing. Then I tried to call them, but there is no phone number. . . just an address in Florida. I couldn't find the number doing any kind of reverse search that I know of. So, I sent them a nice letter stating that I had paid the $38, that I thought it was their fault and not mine and why. Its been over 30 days, and I am under the impression that if 30 days goes by with no response, that I get the hit taken off my report. Is that right? If so, how do I go about getting that changed if AmEx will not voluntarily do it? I think the best thing to do will be to send them a letter stating that their 30 days is up and they haven't responded. . . any other ideas? Thanks and have a good weekend!