I used Doc's Nutcase letter on Perimeter Credit AKA Gulf State AKA OSI last month. They sent me a letter saying they got my last payment (from over a year ago). I sent them a validation letter, and disputed with Experian. I received word from Experian that Perimeter/Gulf State/OSI was deleted. WOOOHOOO!! Thanks, Doc!! And everyone else on this board with such a WEALTH of knowledge!! One could write a credit rehab manual just from the info posted on this board. You guys are great!! kjoe Eq- 618 (up from 592) Exp-599(don't know new score yet) TU-549 (but who cares - it's not real!!)