I wanted to provide some updates to you folks on my credit rehab journey! I will break down the progress I made by how it shows on my credit report: LJ Ross Associates I found out the original creditor was Consumers Energy The balance read 275.00 -I sent out a debt validation letter to LJ. They replied, providing all of my original statements from consumers. -I called Consumers Energy directly. They told me they would not accept any payment, and that I would have to go through LJR. -I called LJR. First the agent wanted me to pay 250.00, and call it a day. I asked if I paid that, would the account then read "paid in full." She said no. -I politely ended the call, and called back. I spoke with another agent, and explained my situation. I asked to speak with a supervisor. I acted SUPER grateful. The supervisor told me he would work with me, if I paid in full, and would mail me a copy of everything. I agreed. He put me on a hold and he said he would be able to delete the trade line, and would mail me a copy of everything. He did provide me a confirmation number as well. Enhanced Recovery Collections Original Creditor was ATT Amount showed as 280.00 -I called ATT, and found out the amount was from old equipment that was never turned in. -My husband found the equipment, and I called ATT and let them know I would be returning the equipment. I asked then if I could pay the remaining balance. The rep told me that because the equipment was past 130days, that even if I returned it, the charge would remain. I asked to speak with a supervisor. I explained my personal situation causing this problem; I told her I would return the equipment in the afternoon, and that if we could work out a deal for the balance. She was able to get it down to 90.00, which I paid in full, and have receipts for both the payment and then equipment being returned. Credit Management LP Original Creditor was WOW Cable Services Same situation with ATT. I returned the equipment, paid the balance, got receipts, and fired those off to the CA I guess what really helped me was just being nice to the reps on the phone, and explaining my situation patiently. Let me know what questions you have!