The furniture store who did this to me (who has also claimed BK) never showed up for court. So we never saw the Judge. The clerk told me to go home. On my credit report, the payments are listed as R1. I've been paying them on time like clockwork. The account is now paid in full. What should I do? I've tried to have the manager of the store vacate it but he's clueless. He says it shouldn't be on my report. Should I challenge the verification? Do you think I should take this to court? Or should I just wait until 1/2003 for it to drop off?