I just received two letters from a pesky collection office for extremely old phone bills that I know I’ve paid multiple times. The letter said that these two bills would be deleted from my credit report. I’ll send them to you to review. I also just received a pre-approved application for a credit card. The balance will probably be low, but it’s the first offer I’ve gotten in a long time, and I know that I need to have a credit card to improve my score. I don’t want one; hate credit, but at least I know that it’s an available tool for me to use to reach my goal of at least a 750 score. Thank you. Thank you. Thank you…I never thought I’d get away from these piranhas.