I must say, this has been an exhausting two years to get to this point. I can't wait to see what my current score of 693 will go to after this last collection item is removed. I have attacked my credit restoration from every angle...disputes with the CRA, negotiations with the creditor, and the use of Lexington. I've done online disputes, certifified letter disputes and telephone disputes just to get to this point. With the help of this board, I've always stayed incouraged. Thanks for all of the valuable information.