I have an unpaid account for $143 from a pest control operator. The account went to collections in early 2000. I have been disputing the item with the CRAs for the past 7 months with no luck. Recently, I wrote the collection agency trying to obtain deletion of the item in exchange for full payment. That didn't work. This morning I called the creditor directly to negotiate removal. That failed as well. The creditor told me that they will not delete the item from my report but will report it paid in full. Whoopee. They also told me that my payment would have to go to the collection agency (I.C. Systems) directly, as they sold the account to them. (This, of course, begs the question as to why the original creditor is even involved at this point.) Anyways, this collection account is reporting on my Experian and Equifax reports. What do I do now? Just pay it in full and continue disputing the item through the CRA's? Or send a validation letter to the collection agency while continuing to dispute with the CRAs? Or try the restrictive endorsement route? Or what? I want to resolve this now. Anyone have any ideas for me on this one? Help!!!