As a note - thanks to all that gave me advice on the TCI collections - I sent that letter off yesterday, now I wait... Curious about this - J.C. Pennys, opened in 1991 but went into collections back in 1997 and was paid. Since it was over 4 1/2 years ago I'd like to send them a validation letter to kill the bad marks, but here's my question: Do I send the letter to J.C. Pennys and deny that I was ever late? After all - I've had 6 years history with them before going late and then eventually into collections. I'd love to keep the history but kill the lates/collection mark - what advice would you reccomend on this?? Thanks again, GT
