If you will remember, AIS Services placed a negative mark on my credit report for a nice illegal pdl that was overpaid, refunded, and marked paid in full. After going around with AIS via email & also disputing this with the credit bureaus, I got up this morning to find an email from the credit bureaus regarding my "investigation". AIS Services has been DELETED from my report. So, anyone who posts (and there are a lot) regarding pdls (legal or illegal) turning you over to collections and it being reported on your credit report - yes, it may happen.