Maybe you haven't, but it happens all the time. Years ago when I was cleaning-up some credit mess I made when I was still in school I spent a lot of time learni

Maybe you haven't, but it happens all the time. Years ago when I was cleaning-up some credit mess I made when I was still in school I spent a lot of time learning on Creditboards.com and that was a very common collection people would seek help with. Creditboards is a fantastic resource and I cleaned up several small (and one large) collection item from my reports far earlier than the 7.5 years the FCRA lets negative info stay on a report.