I am going to try to make this short....a cc went into collections which was turned over to another collection agency. So CA #1 (First Select) was change/bought out by Providian. I call Providian to find out some info and they dont have me or my account on file (whew hoo!) so I dispute it and it got deleted...so far on TU anyways!!! Now with that validation letter to the current collection agency they aren't going to be able to provide me with all of the info I request, including all previous collectors and account numbers...so hahahah...hopefully, life will be good...we'll have to see....but my point is: There is HOPE!!!