I had paid off a debt that was over 5 years old (My screw up) with the promise that they would remove it, I didn't get that in writing(Again my bad). It was an old electric bill $325 .NCO financial was the CA. well they won't remove it and it is only on my experian but its killing me. They changed i to a zero balance. ...I don't know what to do at this point. Would sending a validation letter do anything at this point. I did a check over the phone .. I didn't sign anything. Please help.