Well, I have ten inquiry letters sitting in front of me, signed, folded, and stuffed, just waiting to be taken to the Post Office tomorrow for mailing. I am rather excited, it will be interesting to see who replies and who doesn't. I wonder what my next step will be for the ones that don't reply....Send a follow up letter or just sue? I bet all of the ones that reply will say that they don't owe me squat! That's ok, I also bet that half of them pull another report too more fuel for the fire (lawsuit). Thanks for all your help Creditnetters, I'll keep you posted. PAE ...and so begins the long game....