1. Write them, cancel membership (the CC account was sold to Household, and I just paid it off so I am thinking about closing it anyway...the terms are poor) and agree to pay $15 for removal of the notation? 2. Turn it over to Lexington for dispute? This is the only derog I have had in over 7 years and I want it off. 3. Some combination of 1 & 2? Anyone else ever have this happen? Thanks!! P.S. I am not disputing that I owed them $5/month, but I thought they had gone out of business since they sold my account.