I was unable to convince MBNA to remove this account from my credit reports. They only way they said that they would remove it is if I took my mom to court. I AM NOT TAKING MY MOM TO COURT!!! Do I have any options other than waiting until 2006 when all of these lates will be removed? I have worked hard to pay all of my bills on time. There are NO other negatives of any kind on my credit report. This is preventing me from getting any credit that is better than I currently have. My visa has a 20.4% APR. My mastercard has a 19.4% APR. Both of those rates are unacceptable. The mastercard is with MBNA, and I am thinking of cancelling it in protest. However, I can't get anything as good to replace it, so I am stuck. Is there anything I can do?