I received a letter today regarding a required collection 344.92 which this company says is Seriously Delinquent. The problem is in 1993 I was in the process of buying my first home and a Bally's fitness collection showed up on my credit report. I rectified the siuation by settling the dispute in 1993 and my credit report was fixed and so purchased my first home. I have perfect credit now and have since purchased my second home 4 years ago with no problems and a clean credit history.