About a year ago I received a collection letter from this company which I ignored and did not even open. I went through a divorce 15 years ago and lost everything. I have worked hard to pay my bills and repair my credit by paying ALL my bills on time for the past ten years even in spite of two major illnesses which caused me significant medical expense. I have gotten a free credit report every year for the past three years and nothing that they have claimed I owe shows up on any of my credit reports for the past three years. About a month... read full review »