They are all pretty old…i’m talking default dates in 07, but some are still reporting monthly. Guess i’m just overwelmed. I did some disputes with the credit bureaus and they came off but looked like activity was shown on my reports and new ones have come along. On my reports it says i have recent delinquencies, in reality they are not recent at all, but just have popped back on my reports from being sold to another collector. 50% less than what I originally owed on these debts is about $150, but they have bumped up the amounts to around $700!!! I was all gong ho earlier this year, I didn’t know what I was doing disputing, but I made some leeway somehow. I’ll keep reading and chopping at. Thanks so much for the tips, they are very helpful! I will try to negotiate pay for delete, but I think I will start low and see if they will take it…at worst it will be a paid charge off or collection (which is the worst). I have a mortgage already, but I do not ever want to go into a car dealership again shameful of my reports or anywhere else! Hopefully I don’t have to go into one soon, but I’m just saying.