Thanks for replying. At this point: 5 collections, 4 charge-offs, 1 judgement for $1,000.00 and a 120 day late. The problem is that they are reporting on all 3 CR's. I'm allowing time to also play into a major factor of rebuilding. I have had success in 13 deletes that included repo, CO, collections, etc. This month I'm taking back over, but know I need a lot of help.
