With that said, I have paid off a lot of debt and am down to three companies. I owe two of them about two hundred dollars and am paying them a hundred a month. I even paid FFO furniture another thousand plus dollars (the price of a bed) because I didn't meet the "same as cash" thing that was written on the contract. My credit report doesn't show three quarters of the late, missed payments. Is there something that I can do to find out what is still keeping my score so low?