I appreciate your help.
It is a bill from ATT wireless service. But I have an interesting update. So today I get a letter from the collection agency offering to settle the debt for ...g.et this.....25% of the entire bill. Roughing $1500 total (they claim but i think the bill is closer to $500)...anyway, the settlement offer is $361 as paid in full.
I bet most of you are thinking the same thing I am thinking...why not a PFD? Which is exactly what I will send as a response tomorrow in the mail.
Feeling pretty good about this...hoping to get this one lingering nasty off my report.
Oh, MO is Missouri. It's a common mistake. 
Well at 2am, my brain thought MO was Montana 
No worries. 