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that prevents them from contacting you, not demolishing your credit report. i had a client once that misunderstood this and demanded in writing that my (old) company not contact her in ANY way. she was still bitching about having her house foreclosed upon last time i heard. moral: whether or not you receive anything in the mail or a phone call, it will still be an outstanding debt until it is settled in some way with the company.
godwulf - i believe myfico.com charges $12.95 per bureau so a total of about $39. well worth it, for the ease. you can dispute right on line and print your tri-bureau immediately. i recommend it at least once per year. this method also doesn't result in an inquiry on your report.
most of the "free" sites are instantly linking you up with a large number of lenders who will contact you ceaselessly. these sites are sponsored by lenders.
even a lender has to pay to pull your bureau, so they aren't going to do it for free.
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Getting knocked down is no sin, it's not getting back up that's the sin
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