tooleman694 - who was your original lender for your loan, and who picked it up?  i'm just curious because it seems that some will remove all negative info, and like you in your case, some don't. 

tburns - i'm not sure, i just looked at my reports one day a few weeks ago and all of the negs are still reporting as collections for the full amount, then the positive one is there for the full amount.  I am scared that they are going to leave the negative late payments on and just nix the collection status, like they did for tooleman694.