Also, in regards to the discussion that we've been having about "Credit Morals".... I think how you handle your bad debts depends on if an agency is collecting on behalf of someone (i.e. they get X% and the original creditor gets X%) or if they bought the debt from a creditor. It has been my person experience (excluding agencies that were trying to collect from me where I really didn't owe the debt) that If an agency is collecting on behalf, 9 times out of 10 you can negotiate w/ the original creditor. Then you can dispute (i.e. never done business w/ these people, validate, etc.) it and it will probably come off your report. If the debt has been bought from a creditor by a collection agency, then in my opinion, you need to do everything and anything you can to get it off of your report! Fortunately, I've never been in this situation and I would probably never pay these people a dime unless they were going to remove! So I guess the bottom line before you deal w/ any agency, you need to figure out how they are collecting the debt (either on behalf or not). Once you figure that out, you can proceed from there. I guess that's the type of information you would find out in a valadation letter if they would mail the back part to you.