I am so pleased to see a group of people helping each other out like this. Still hope for us here in the U.S. I need some help and was hoping I could get some advice from the pro's. I have been using ICR out of Michigan to clean up my 3 CRA reports. They really didn't do a whole lot because most of my stuff came off after the 7 years. I have a closed account from Providian with a balance of 480.00 that I am still making payments on. It was 60 days late and refelects that on the bureau. I want to have this removed from my reports...do you think I'd have a better chance paying it off and having junum try to remove it?