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Ahh, ok.
OP you will need to try the PFD with them to remove it if its not been paid and a GW letter to them if it has been paid.
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/...
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519