I have a paid collection showing up on all 3 of my CRs (yeah I know...I paid it before I discoved this site, and never knew to ask for a tradeline deletion in return for payment). The CA (and OC) is Diners Club. I sent them the Nutcase I hoping that they'd just see I paid, and deleted it. Well, guess what....they actually verified!! They sent copies of old statements they sent me, noting the months I was late. So...what should my next step with this one be? I REALLY want this one off. This negative is my biggest prob, since it shows on all 3 of my reports!! Thanks, D