When they did contact me, I sent them a validation request. In response, they have returned to me 4 pages of printouts, looks like from the hospital, which show that my daughter was admitted, the diagnosis, the DR's name, and shows my name as the guarantor. EX reports this as "Paid/Collection Account". EQ says, "Collection Reported 01/1999; Assigned 12/1998 to Cac Finanial (sic) Corp...Amount - $75; Unpaid; Balance - $75 Date of Last Activity 06/1998". (TU deleted it.) SOLs for my state are: Oral Agreements and Open Accounts 3 years, Written Contracts and Promissory Notes 5 years. Which would this fall under? The main thing I want to do is get this off my reports, even if I have to pay. Since most of my bad tradelines are related to my 1999 BK13, I don't have much experience dealing with collection agencies...my issues are almost all with OCs. Can anyone give me any guidance?