First I want to thank everyone here for all the great info. Just checked my reports and my first GW worked. I found the e-mail addy to a fellow at NCO FINANCIAL here on the forum said what the heck and sent him a GW explaining my situation and how the collection was hurting my credit for the small sum of $84.00. An thanks to the gentalmans GW the collection is gone from my reports. Took him no time at all I sent the e-mail last Thursday. The funny part is this collection really hurt. I had quite a few old accounts that got removed after dispute but this little puppy hit my reports 06/2007 sort of threw me in the dumps till I found this site ahhhhhhh feels so good!!!!! THANKS TO ALL HERE FOR THE HELP