I am really nervous about what's going to happen though. I'm afraid they are going to update my last activity date or something like that and I'll end up getting screwed. Has anyone had success with settlement for deletion? Oh, I also sent off my first validation letter last week (certified, return receipt, used the one found on this site) and I'm curious to see how they respond. I'm trying to get a house and they want everything taken care of on my credit report, so I figure I won't just pay it, and try to get it deleted. Comments?