I wanted to contribute as this thread (and this post in particular) helped me a lot. I have Samsung CLX-3175FW for almost 6 years now, and lately it developed the condition almost identical to the one described by bill.gertz: first page got a couple of horizontal smudges (some black, some yellowish-black) near the top and top half of the first page, and all pages from the second one had a faint copy ("ghosting") of the whole previous page. After a lot of contemplating between drum, fuser, and transfer belt, I pulled the trigger on the latter, and it was the right choice! Pulling out the old transfer belt is quite easy, there are instructions on youtube, you just need to pull out paint cartridges, paint waste basket, and the drum, and disconnect one plug. No tools required! BTW, my old transfer belt visually seemed OK. Yes, it has warping at the edges, but so does the new one, so the visual inspection was not helpful.