I have a defaulted gym membership that is being listed on TU and EQ by a local collection agency. They are able to provide validation that the debt is mine (Original contract and EFT info). I joined the gym in early 1999 on a one year membership. Shortly thereafter they were not able to EFT my monthly fees and I never paid them anymore money. On EQ it reads as Client: XXXX Account: XXXX Date Reported:6/2002 Amount:321 Balance Date:6/2002 Last Activity:2/1999 Date Assigned:08/2000 Status: Unpaid The 2/1999 is the date for SOL purposes, right? I am a current member in goodstanding on a new membership for almost a year. I am willing to pay this debt in exchange for deletion but the CA said "No Way & they don't do that". And the OC verbally told me they can't bring the debt back because it is so old. I never would pay if it can't get deleted but I was thinking how I could appeal to the qoodwill of the OC. The CA is adding interest to this which at 10% brings my amount owed to them to 453.68. Am I right that this is past SOL and while they only report the principal the only "damage" they can do to me is reporting until sometime in 2006? Anyone have any advice?