I don't want any special treatment, but being a Military family is not easy, and having to move every two years and start over everytime, should be taken into consideration So if I would've igonored to pay, and decided to pay a year later, I still would have the same info. reported even though I paid immediatley. I don't think that's fair. Any one have any suggestions. Maybe talk to the Collections manager of this cable company? Put a note in my report? I feel so frustrated, that after I finally get my credit to what it is today and have these people put such an injust blemish on it, really is sad. Sorry to be such a cry baby, but is really hard to accept. I've seen people on this board say they got collections deleted from there reports. Any suggestions would be greatly appreciated. Thanx! PS. AMEX Rep told me if I faxed over a corrected report with this item deleted I wouldn't have any promblem getting the card.