Thanks very much TheJury'sStillOut, I am new to here, but have done allot of reading in this and many other forums about credit reports and collection agencies. I am currently trying to cleanup my report and don't have any time for agencies that feel they are above the law. Before educating myself about my rights I did just what the Collection Agencies said and paid them blindly without knowing weather or not they had any proof that I owed the money. I have been working on my report for the last 8 months and have been able to raise my credit score as well as establish positive trade lines that are now aging very nicely. I am so glad forums like this are here so people can see and learn for themselves that we don't have to be alone in these types of situations. I am going to contact a few lawyers and see what their take is on this. Also as you stated about my score being lowered by the inquiry they put on my report, I wasn't so much mad about the points lowering as that I think they may be thinking of trying to see what my report now has on it as a way of determining if they want to try and file a judgment against me. They surely could have just updated the account on my report without doing a hard pull as they have now done. I feel its another violation without having Permissible Purpose to do it. Again thank you and everyone else here, I am glad to be a part of this forum and will keep this updated as I go.