One is a $3200.00 Charge off from Capitol One. It charged off in 1995, now its reportin a $7800.00 Charge off. Here is the funny part, I have NEVER been contacted from a collection agency regarding this account. I know the sol has run out as I am in PA and the sol is 4 years. My concern is that this account is Prior to 1997, so they might try to reage the account. Does anyone have any suggestions on how I can negotiate a settlement for about 2K for a complete removal of this account? I tried disputing it with the bureaus and they only verify the information. Equifax removed it but Trans Union and Experian told me the account was verified. Junum tried with no luck, came back verified. 2 medical collections I refuse to pay, as the insurance company paid the claims. I have the Explanation of Benefits stating date, amounts paid, and check numbers. Trans Union and Experian deleted both accounts. Exquifax reports one account with a 0 balance. I am dealing with the collection agency because they are not reporting a balance, I did fax them a copy of the EOB, yet they haven't removed the notation. NCO is also listed in Equifax, TU and Exp removed both accounts. I sent NCO a copy of the EOB but to no avail. I recently sent them a validation letter, I received my green card the other day so I know they have it. I am watching my mail for their response. The last account is for $195.00 from Collectech for a Bell Atalantic Bill. I called them and told them I moved so I had received nothing from them. I disputed them throught the bureaus they verified 3 CRA's. The sol has expired on this account. I sent them a validation letter so I will await their response. any help or assistance members of this board can advise would be GREATLY appreciated.