it's kind of wierd, but i've been lurking this site for over a year now. im deployed to iraq, with nothing but time to fix my credit and read these boards. over the last 7 months i've had 6 out 7 collections removed with the 7th getting removed as soon as the delay from the cra's kick in, 1 student loan rehabbed, and 3 student loans consolidated. tuscani, fused, timothy, hauling, brammy, concord, and a lot of you guys know your stuff, and i've successfully stole a lot of knowledge. when i was in college back in 99 i didnt care about credit. i had to take a look in the mirror. ill be hanging around. for the record i've had baddies removed from (2) afni, national credit systems, (2) medical, american express, and one from nco financial.