anyways to my delima, I am trying to straighten out my credit and have several problems, I am applying for a home equity loan and discovered the following problems on my credit reports that are killing our credit, 1) Back in 1998 lived in a different state had a bank account moved to NV, forgot about the account (my fault) it had a balance of about $300 in it. I had my mail forwarded to new address in NV and was never sent a statement, time went on last year when purchasing our house this bank shows up on our credit report as in collections for like $90, I called the bank, they said that the account was inactive, and charged a monthly fee when that was exauhed we started oweing! OK so I just wanted it off the credit report I paid the $90 with the promise from them (I didnt get it in writing, but because of that I now get EVERYTHING in writing!) that they would remove it from the credit reports... welll its still there says collection/paid and causes great hardships when applying for credit. have a few other things on too negitive, but this one needs to come off! The strange thing is the my husband and I just purchased a 1/2 acre of land and took a construction loan out and rolled the construction loan into a 15 yr mortgage at 5.25%, my mortgage was bought by WF bank about 1 month after we moved in, so I thought that WF bank would be ideal to get the home equity through right? wrong, they referred us to a "broker" who is saying that we can get an "secured line of credit" at 15.9% rate, are they insane? So this is the reason that I have really started cleaning up the credit reports!! I just dont understand how we could have gotten the construction loan and the home loan with no problems?? I dont want to slam ya's with too many questions so I'll start with this for now Thanks in advance! any help would be appreicated!