I'M STILL WAITING ON TRANSUNION'S LETTER TO ARRIVE. IN THE MEAN TIME, I'M BROWSING THE WEB AND FOUND THESE LETTERS. THAT CAP 1 OFFER ISN'T BAD. BUT I CAN'T BELEIVE SOMEONE PAID OSI. THEIR COLLECTION VIOLATIONS, MORE THAN LIKELY, WOULD HAVE PAID THE ENTIRE DEBT.