After I got their validation, which indicated that the payment had never been applied, I sent them a C&D letter. This was in January. I have not been contacted with them, but do these inquiries count as Hard? Can they do this even after I have C&D them? Should I send a them a copy of the check? This account is scheduled to remain on my report until 10/2004-and the SOL is up in Oct of this year (account reported as delenquent date of 10/97).