text: First off, dispute the credit bureau for the entries made.  Under the fair debt collection act it is against the law to report false entries on your credit.\n\nOnce you have written and disputed the entries the creditor will have 30 days to respond.  If they do not respond entry will be removed.  Provide the credit bureaus your information.\n\nYou will also need to provide your lending instituion copies of all letters sent to AOL.  (by the way---AOL is worse company in the history of man kind!)  Your banking institute also has to follow rules set forth by the Fair Debt Collection act.\n\nARE you sure the NSF charges are not your fault?  Closing the account before all your checks cleared?  Maybe AOL...is just your scape goat.  Make sure you have all your ducks in a row and your facts are 100% factually correct.\n\nAlso....send things certified return receipt so there is NO question as to your communications!