I appreciate the advice that you have been giving everyone here. I need help though... Long story short, the collection agency keeps verifying w/ the CRAs that I owe them for 2 bad checks. In all actuality, my ex is the one who wrote the checks. I have been in contact w/ the agency and I have requested that they send me proof. I waited a month then called and requested it again. Nothing.....then I sent them a letter (after I disputed w/ Equifax and it came back verified) return receipt and requested that they send me proof of this debt (if you email me, I can send you a copy of the letter that I sent them). This was done on 10/19/00 and then in January 01, Junum disputed this and it came back verified! I never received a response from the collection agency at all. The last corospondance I received from them was a letter stating that when I disputed this in 10/00, the credit bureau contacted them to verify this and they verified it. That's it. So since Junum has tried to no avail, I would like to send a second letter to them but don't quite know what to say. Can you help me? It's frustrating because it is so easy for me to go over there (5 minutes from my house) and start going off on people! I don't want to cause trouble....I'm just tired of them reporting FALSE information on my credit report! By the way....I joined the credit-repair group on Yahoo like you suggested.