They say a check I sent in came too late on a final bill and 66 was refunded to me and the account was put in collections. I called talked to credit department and they said if I pay, they will tell the credit agency to delete it. I've been burned before and asked for confirmation in writing. I was told the only approved letter they can send me is one that states upon payment we will update this account with the reporting agencies. Doesn't seem good enough for me. All my scores are sub 600 and the two agencies reporting this are scoring me 20 points lower... HELP! Thanks..