Tuscani thanks for all the excellent information.  I wish I had saw the PFD letter before I paid on a collections account.  Now that I have I was told by the CA that they would mail me a receipt of payment and that I should then send a dispute or GW letter to each CRA and that it would take 45 days for them to remove.  Did they just get over on me and can I can I expect the collections to be removed?