My husband has the same story as many of you–after a while of not hearing anything a collection for ATT shows up on your credit report. Based on my reading here, my advice is that he call ATT and pay them, requesting a PFD. However, he says it’s shenanigans and he won’t pay them because it’s made up. I don’t have time to argue because at this moment all I care about is upping our credit scores. I’m thinking that the best approach now is to send a debt validation letter….although I’ve read on here that that can shoot you in the foot. Any ideas? Much appreciated.