Ok the bank wants $50 to research this. They said the records are too old. Why should I pay this. The CA put it on my CR, they need to prove that it's valid! Besides, who cares if the bank has an original check, the CA should've had one before they started collecting from me! Has anyone sent the estoppel letter for a paid collection? I think I will. Is it 30 days from the date on the green card?