Has anyone had any success with dealing with these 2 companies and negotiating payment for deletion? These 2 companies have turned over their accounts to CA's. I have rec'd correspondence from the CA for Sears settling for 1/2 of the amount owed. I have not responded to their settlement offer as of yet. I am planning on purchasing a home the beginning of next year and really want to resolve these two headaches. Oh yeh, these 2 items has a last activity date of 5/2003. Any advice would be greatly appreciated! Thanks!!