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A friend of mine has one baddie and only on TransUnion, a small collection account: GILA CORPORATION #xxxxxxxxx00000000000000000**** 8325 TUSCANY WAY BUILDING 4 AUSTIN, TX 787543614 (800) 568-7004 x3208 Placed for Collection: 10/21/2010 Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $0 Date Updated: 10/08/2013 Last Payment Made: 09/09/2013 Original Amount: $198 Original Creditor: HAWAII 1ST JUDICIAL CIRCUIT Pay Status: >Account Paid in Full; was a Collection< Date Closed: 09/09/2013 Date Paid: 09/09/2013 Remarks: >PAID COLLECTION< Estimated month and year that this item will be removed: 05/2016 Any suggestions of best plan of attack? This has never been disputed. Would it make sense to start with Gila and offer to pay more fees to get this off? Unfortunately, they just paid it when they got notice of the account even though they thought it was not valid, but thought it was easier to pay them off to make them go away.