I have a collection agency that has listed a balance of 2190.00 for a car they say I purchased in 1999. They have my maiden name of when I was married and the balance was 771.00 but with interest each day it continues to go up. I call the collection agency and asked who the original car dealership is because I have never owned a Toyota and they stated they didn’t have it because they bought it from another collection agency. I ask is they could mail me a copy of the signed contract and they told me to call back in a week they would try to find paper work. They stated they mailed correspondence to my parent’s home address which I have not lived at since I was 19 years old over 21 years ago. My report states it will be on there until 10/07. with me pursuing this can they extend another 7 years of this on my credit? I am currently trying to refinance my house and can’t because my credit scores are below 500 and I am looking at paying an increase of almost $400.00 due to my adjustable rate kicking in starting 9/1/07. Should I use the dispute letter to the credit bureaus first or should I send the letter you have posted for collection agencies to try and get them to remove this off my credit?

Despirately needing help
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"majors@oskie.com" / collection agency will not remove mistake and kep piling on fees / 8:03
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
read this
http://www.oskie.com/free-letter/debt-validation-letter-collections-collection-company-agency.htm
mail this letter to them
have it notorized and send delivery confirmation
that should shake the coconuts out of the trees