I talked with Gulf State Credit-- they have sent 2 letters to me at an address I had 3 years ago in another state. They are willing to take my payment. I asked them if they would remove the charge-off from my credit report if I paid. They said they can't do that-- they would report that I had paid the debt, but that I would have to talk to the credit reporting company (experion) and see if they would remove it from my report altogether. So I didn't pay them today-- I figured I'd wait and use the payment as leverage when I finally figure out who has authority. Now I'm seriously confused-- each person keeps telling me that only someone else has the authority to remove it from my credit report. Who can remove this from my credit report? Gulf State Credit or Experion??? If Experion is the one who does it, why is that? Aren't they just basically an information gathering business-- how can they have the authority to remove something from someone's credit report if it wasn't a mistake that they made? Do you think I could get this removed from my report-- especially considering the fact that I have proof that i never received any info from either the phone company or gulf state credit on this? I really need some help! Thanks!