1. I have an account from a school I attended 1988- December of 1989. Loan from them defaulted. Government has it and I m paying. How can they still report and 7 years has elapsed? What can I do? 2. They keep reporting an account that their results say they deleted. What do I do? 3. They are not budging on the inquiries. 4. They took a CA off and put it back on. They make me sick with this. 5. I am helping my mother & stepdad also, they took off their mtg completely and all I asked for was an update of pymnt history. I said never late. 6. For collections, should I pay Original creditor or go into a settlement with the CA or what? Somebody help me please. Thank you all...I would like to be half-way there by this time next month.