As I'm going through my reports with a fine-toothed comb, I realized that one account showing up on just my TU (another reason that score is so low) has been sold AFTER it was paid. Now, it still shows as a "Paid Collection", however, I was wondering if it wouldn't just get deleted if I dispute as: "I never had an account with XYZ Collections on This Date" Any suggestions? (And why would this account be sold AFTER it was paid... and I thought I was dumb!!) lol A. J.