finally figured out how to talk to a real person. He told me the name of the bank was Centennial Bank, but I know that they've been replaced by Commerce Bank in my area. This is not on any of my credit reports btw. It is not in collections either, although I'm afraid that I may receive something in the mail soon. I barely remember my DH having an account there for a very short time while he worked for a real swell boss who wrote rubber checks to his employees occasionally. The guy always 'made good' on the checks before any real damage was done, but I'm thinking this could have something to do with why the account was closed. Telecheck gave me a phone number for this bank, but I havent called because I know they don't exist anymore, and I don't really want to deal with this over the phone. Here are my questions: 1. Why is this JUST NOW reporting to telecheck? Does my pulling of my credit report have anything to do with it? I feel like I shot myself in the foot by pulling my own credit report! 2. Should I be proactive or reactive to this? Calling or writing them may wake some sleeping dog somewhere, but NOT calling or writing could result in it going to collections (which i will fight tooth and nail!) I don't want to just sit here and wait for that to happen, but i dont want to trigger anything that would otherwise never surface. The amount is only @230.00, which I can easily pay, but only if it is deleted from telecheck. Problem is, how do i get a nonexistant bank to agree to delete something? Also, the only place I've had trouble writing a check in my area is Walmart. I can live with that for another 2 years (the length of time it will remain on telecheck if they dont delete) if i have to. Thanks for any responses.