Two years ago we moved out of an apartment to our own home. The landlords say we owe $110. We refused to pay because we believed the charges to be bogus, and we told them that. They decided to add a collection item on my brother's credit report (not mine for some reason). Now my brother needs a school loan that he can't get solely because of this collection item. I wrote a settlement (pay for deletion) letter, and they ignored it. When my brother called to find out if they got it, the person he spoke to said in essense, "pay it, dispute it with the CRA, and we wont verify", but refused to put it in writing. Now I've decided that perhaps I should send for validation, but I fear it'd be a long drawn out process. I'm also wondering if we should just pay the $110, and redispute it with the CRA (disputed it once already, and it got verified), and hope they don't verify. What would be the fastest way to resolve this? Please help!