This was really an interesting day for the jlynn mailbox. I got a collection letter from LTD Financial Services. Just to let everyone know I WOKE THE BEAST. Old California Commerce charge-off. I was able to get it off his reports a couple of months ago though. Sad thing, they pulled DH's report in Dec, and twice last week. I sent them a No PP letter yesterday. Oh well, I may try my theory. You either (a) had no permissable purpose in Dec or (b) you did not notify me within 5 days of your initial communication in writing. Either way you owe me a grand LOL.