While, I search, just in case anyone has any advice for me directly, I would appreciate it. Dh financed a truck with BOA. Made some payments with check, some with cash. After we were married, I threw out alot of receipts thinking they were just ATM receipts AND not knowing he had not received the title. We didn't notice the lack of title until I checked his credit report & saw that BOA was charging off the full amount of the loan. I wrote to the CRA's & BOA to try to fix it. It was eventually removed, probably by the CRA's & not BOA b/c BOA's own history reporting proved that payments were made & they couldn't charge off the full amount. He has now recieved a collection notice for $406 willing to settle for $325. It hasn't shown up on his experian report yet, but I haven't checked anything else yet. I can't prove that we don't owe this, since I don't have every record of the entire payment history. We are one year from the SOL, so I don't have that leg to stand on either. Any advice on the steps to take. I am so tired & angry of the situation & am almost want to pay the amount for a written promise that it will be removed/ or not reported whichever the case may be. We are still in the 30 day time frame of receiving this letter. I just read a post stating this is the time to request verification requiring every detail of the loan. That one is new to me, since I had just been dealing with validation. (I can't remember the poster or the thread right now). I am considering doing this or validation. Depending on the response from that, I think I will just go for the deletion for payment route. Since I don't have every payment record & am hesitant to claim I have payment history without complete proof. Any tips? WWYD? The CA is Cavalry which I read bottom feeders, but aren't they all? I have had results with Gulf state- can they be much worse?