Hi all. After years of ignoring my old college debts I found this board. After reading for a few months I decided to start cleaning up. I pulled my reports and found that a lot of bad stuff had fallen off. Only bads are one severely reaged cc debt and a few medical collections which I refuse to pay. I even found an old Spiegel card I had forgotten about still reporting.(always paid on time) I disputed addresses linked to bad tradelines. In the mean time I applied for several cards to add positive trade lines. Found out today that I'm approved for Orchard and Chevron. That's a start I think. Just wanted say thanks.