My negatives are as follows:
| Wfnnb/Vs | 8/2008 | $21 | Bad debt/collection |  | Details | |
 Hsbc/Bstby | 6/2008 | $0 | 120+ days past due | | Details | |
| The Buckle | 8/2008 | $0 | Bad debt/collection | | Details | |
 Us Bank | 3/2008 | $663 | Bad debt/collection |
The Wfnnb/vs and the Buckle are paid. US bank didn't respond to the validation request. HSBC, meh, don't even know what to do with that one. I also have two collections from Enhanced Credit Recovery and Credit Protection Assocation, both under $100.
