When the service guy came to set up the Direct TV dish, he couldn't get a signal anywhere on the property except from behind a nice cherry tree. He told me I'd have to cut it down! I decided not to cut the tree and let the time run out with Primestar. So, because I didn't convert, they continued throwing the banner ad up on the tv. I called them and explained my situation and would they please get rid of the banner ad. Anyway, I called them probably five or six times complaining. The ad would stop for a couple of days and then reappear. They said there was nothing they could do about it. I told them that since I couldn't watch tv without the ad getting in the way that I wouldn't pay them the last installment. I probably should not have paid them for three months. Anyway, I just didn't pay for the last month. I then went with Dish satellite tv. Anyway, you probably guessed it by now. The 53.00 is now on my credit reports. Since Primestar is out of business, I called Direct TV about it. They said they would check into it but didn't think there was much they could do. This was about a month ago. I then disputed it with the CRA (it's being reported by a CA) and it was verified, the word the dispute form used was "checked". According to my score power at Equifax, this is the single most damaging item bringing my score down. It's the only collection. What do I do now? Do you think the CA would listen? I know, I should have paid them anyway. But to me (before I found this board) it was the principle. I wasn't getting the service that I contracted for. No different than if I had bought something and it didn't work. I know this is long, but I just had to vent the details.