I would like to begin by saying I found this forum today and it is a wealth of great information. My issue is that I am trying to repair my credit score which is 529 with about 11 collection accounts delinquent from hospital bills. The highest is First Consumer National Bank with a high balance of $1300 and my credit limit was $300. The company went out of business in 2001 or 2002 but I was paying them and they started hitting me with all types of late fees and interest rates. I tried contacting them but I got no luck and their are a lot of forums about this company. I have written letters and tried disputing this item but I have not gotten any assistance. The debt has been sold to a third party company, but I do not trust sending anything until I have proof it is legit. At this time I do not know what to do, I even contacted my Attorney General and I did not get a reply. Does anyone have any advice for me because my husband and I would like to purchase a home in a couple years. PLEASE HELP!!!!!