Thanks to all that helped on my other post and I have now finished the letter to validate and will send it tomorrow. Thanks lizardking for the validation letter. What this is about is a duplicate my wife has on her account. Here is how it goes: 01 M WARD/MBGA Date last activity ----------- Date reported n/a 10/00A Account opened 10/96 Highest limit 1069 Balanced owed at last report 1096 monthly payment amount collection amount past due 1069 Second Item is 01 M WARD/MBGA Date last activity ----------- Date reported n/a 04/00A Account opened 10/96 Highest limit 940 Balanced owed at last report 894 monthly payment amount REVOLVING amount past due 24 Months history revd 42 I have tried to settle this account but as all you know they are in BK and won't budge a dollar. What do I need to do to get this off?