Now that I am getting the PDL thing under control, I am turning my attention to my credit report. I was very ill in 2003/2004 . Alot of my bills went unpaid even though I sent letters explaining my sudden illness. Now, I want to make good on them if I can. I pulled my credit reports and most are write offs. I did notice about 3 collection agencies pinging my credit report though. I did a search on them. So I investigated further and noticed that a few of my charge cards where "purchased by another lender". That tells me a junk collector bought them.