Guys, Hopefully someone can steer me int he right direction. I don't know what to do at this point. So here's the Timeline 2006: I had a T-Mobile phone. 2 year contract, almost 1 year into it. I had a base-minute plan at the time which was something like $49.99 + Tax. Aug. 2006: I moved back to San Francisco from college thus separating (geographically) from my GF. She had T-Mobile at the time as well and the only smart thing to do at the time was to purchase a "mobile to mobile" plan at a cost of apprx ~$8/month. (AT&T includes this, T-m does not) I called and made the switch. The CS rep on the other end of the line was very helpful and got it swapped for me. Sept 2006: I get my fucking bill and its $450. They never made the fucking change. I was livid and no one was willing to budge on the T-M side. Over the course of the next several months I spent so much time and fucking energy only to be directed to nearly every single manager in every single dept....tried seeking legal action (which was short-lived due to the many reasons) only to find myself battling a futile war. I wasn't going to pay this $. Not because I couldn't afford it, but because it was morally and ethically wrong. Life was busy at the time and long story short, I kept telling myself I'd take legal action or some sort of action and pathetically never did. Feb 2007: I never paid the bill and the canceled my line, adding yet another $175 plus 4+ months of service to the bill so now I'm at $800 or so with late fees and whatnot. Mid 2007: I told myself I'd get it resolved before anything else drastic happens but failed to do so. Ends up on my credit report and my score goes to shit. TODAY Fast forward 2.5 years and its STILL THERE Its now in the hands of T-Mobile's attorney and all over my fucking report. My credit is otherwise spotless and this has dropped my score about 100 goddamn POINTS! I'm a complete loser for letting this drag on liek this...I really don't know how to justify it or have anything else to say. At this point, I feel like I need to get something out of them to actually get me to pay this fucking money that I didn't incur. Any advice on what I can do guys? I feel that if I just happily paid them now, it wouldn't do me any good as its going to stay on my CR regardless. Can I use payment as leverage for them to take action to rid me of this blemish? (or major breakout, rather) Every time they call, I tell the lady on the line ":if you can provide me in writing that you'll notify the credit reporting agencies that there was a mistake on my CR, I'll pay the fucking bullshit bill. Otherwise you can come arrest me": My ultimate goal: to make it go away on my credit report/score. I don't even care about the $ anymore. (even less than I did back them) I just want to get on with my life! Please help out guys!