Okay, so NOW I'm ticked. SURE, it's going to go into deferment soon, but that history looks good! So for that person who contacted Trans Union regarding an account that Junum had taken off, can you tell me what you said to them and if the account has been put back? I know TU does a hard delete and even when things are sent back (via the creditor), it doesn't reappear on your credit report. I checked Junum and it doesn't list that account as negative information, but it wouldn't, because it wasn't negative. I'm grateful for what they have done so far, don't get me wrong, but I'm damn glad my time is coming to an end. I'm checking my last CR against what I have on worthknowing (unless Worthknowing isn't complete and that's not beyond the scope of things either). We'll see if anymore good stuff is missing.