She has a TON of derogs and owes money to the following companies: 1) Providian (from like 1996) 2) CapOne (from like 1997) 3) First Premier (2 accounts, from this year) She knows she will probably NOT get the cards back. She knows she COULD sit around for another 2-4 years on 1 and 2 and keep disputing it to death. She wants to do the right thing and pay something on these four accounts, but she wants some help from the companies in return (like maybe deletion of the derog, MAYBE one or more of the cards back) She had some medical and unemployment problems that contributed, and are documented. What should she do? I know CapOne MAY work with her, but do Providian and First Premier really give a rats booty about this young woman? None of these four went to outside collections. She is not interested in hiring any kind of repair program. She says me and the board and some honest cash is enough. She doesn't expect miracles. Just maybe a few reprieves and second chances. She got on her mother's Target, and plans to get Sterling.