I have an interesting situation. When I was in graduate school, the school failed to notify my undergraduate school of my enrollment. Thus, Penn State was expecting me to be paying on the loan. When I didnt pay, I was sent into collections. Now, I have contacted Penn State and they recognize the error in their actions and that the problem was not my fault. However, they said that they are unable to change the credit report because they are an educational institution. They provided me with a letter stating the collection was in error, but that is all they can do. As I am sure you all know, having a collection on your credit report does not exactly invite prime invitations. Is there anything I can do to get this collection off of my report. Is Penn State wrong? Any assistance from the veterans would be greation appreciated. Mike G.