I just found this forum a couple of weeks ago, and I've already seen improvement!

I had no idea I could ask them to remove paid collections- it never occurred to me. 

We are planning on buying a house and I needed 1 whopping point on my TU score to qualify for decent lending.  I sent a GW, by email, to I C Systems and within a week they agreed to remove it and as of today, it's done!

Scores

5/22/09 604 EQ/629 TU/653 EX (plus score)

5/9/09   604EQ /619 TU/642 EX (plus score)

Thanks guys for the wealth of knowledge floating around this forum.  I'm going to try another GW letter for J C Christensen CA and see if I can't bump it a bit higher!