Lexington got these guys deleted from my TU report. They never were on any others. Today I got another mailing from them offering to settle the $736.83 I owed Sears for $221.05. What do I do with this thing now that it's been deleted? I'd love to pay it and not have any chance of these guys popping up again, but what happens when I do. If they go to update their entry on TU that isn't there any longer to the new status of "settled" will this effectively equal a reinsertion? I was also thinking of maybe sending them a letter offering payment in full for a deletion, but I really don't want to give them a chance to discover they've already been deleted. My tentative decision is to ignore this letter and to see what happens. Am I right?