I found out in March from looking at my CR that I had a collections account. I'd never heard of it and it's through Cingular whom I still have an active (and paid) account. After talking to them it is valid from a transfer of service they just never notified me. Even though I verified with them on the phone, they never sent the bill to my proper address. Rightfully I'm pissed, but I have to pay it. Now it's showing up from a new collector (the old one stopped reporting on my CR in Nov 07). I know the debt is valid and I'm looking to buy a house in the next 5 months so I don't want to waste time by sending a DV. Should I jump straight to a PFD, and can this new company that owns the debt remove the collections marks on my CR from the previous company? i've talked to Cingular and their current solution is for me to talk to the CA on the phone, which I am not comfortable with at this moment. Please help. Also this is not the first time this has happened when I changed location with Cingular. But last time I actually got a call from them and nothing went on my report. I hate Cingular and I want to cancel my accounts with them but you can't beat their service and phones. Bastards.