Here's the skinny: I recently paid a collection from a utility company in March '08 from a municipal utility company in Gainesville. The bill was the result of a family member running up services in my name and then absconding. When I paid the $1100 bill the utility company said they would indicate paid as agreed in exchange for the payment. I did not get this in writing but the utility company did contact NCO and request that they indicate paid as agreed. In March, I contacted NCO and they confirmed the communication from the utility and stated that they would comply. The bureau then appeared (I only checked with one CRA) to remove this information and I learned yesterday that they have now added the same debt as an unpaid medical collection. What I need is a letter from NCO stating that they will request the 3 bureaus to remove or satisfactorily report the account to show my lender. Does any one know what I should do in the limited time that I have or am I dead in the water? Thanks.