I was stupid because I sent them the money before I had anything signed by them in writing, but they of course told me they couldn't send me anything until I paid. Because they wouldn't send me anything in writing first, in the letter accompanying my payment (and in an earlier letter), I memorialized the terms of our oral agreement. In that letter, I stated that the payment represent my "payment in full" of the alleged debt, and that as a term on the settlement the CA would cause the OC to delete the tradeline. I also stated that by depositing the money orders I sent to them, they were acknowledging their obligation to mark the debt "paid in full" and to cause the OC to delete the tradeline. I just received today (a month later) a letter which, to simplify, states that they received my payment and the account is now "settled in full," not paid in full. No reference is made to the agreed upon deletion. I called them and now they are claiming that was never the deal, the matter is closed and that I am the bad guy. They said they have all our discussions on tape, which, if they are kept, would prove my side of the story. Any suggestions of what to do? I am completely ready to inform the AGs of my state and their home state and to sue for detrimental reliance and fraud, among others. Any NY lawyers out there want to contact me for more details can consider it an initial consultation, because I am ready to take whatever steps necessary, even if they are unlikely to be successful.