One is for a Wards account that shows as transferred or sold on my reports (Experian and Equifax) with a zero balance. It's due to fall off this October. The date of last activity is different on Exerian (10-99) and Equifax (12-98). I sent a validation letter on 4/7/01 and they have not responded. I think they are bugging me now because Junum has been continually disputing this entry to no avail....always comes back verified! Next is for some account from MCI that isn't on any of my reports at all. I have no clue what this is even about since the account is from 9-96 and I have not done business w/ MCI prior to 10-99. I sent a validation letter on 3/12/01 and they have not responded. Finally is balance on a checking account w/ BofA (word of advice: never get a joint account with a boyfriend). I was not the one who overdrew the account but they are coming after me for the money. I received 1 letter from some agancy in Washington and I ignored the letter. I guess they sold it to this other agency because I got a letter in the mail from them today. This account was back in 10-97. This is not on my report either. I sent them a validation letter today (cc'd my lawyer also heehee!). Anyone have any advice on what I should do next?????