I just wanted to give you all an update. As of today this collection has been deleted from my Experian and TransUnion reports. Equifax shows the adjusted balance of 18.00 which is still not correctly reported. I am going to continue to try and have this removed from Equifax. Thanks to the help of this forum!!! I am addicted to seeing what I can do to my credit score with a little good advice hard work and persistance. I anticipate all numbers above 600 after next months reporting.