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In response to "No offense, but that one collection isn't the only thing taking you "all the way down."" by JaxSean

no, you're right, I just found some other entries from places I've never heard of. I don't know what is was before but we've financed six cars since

moving here and nothing came up. Our credit isn't perfect, but it isn't high-risk either, which is what 530 screams. There are 5 positive items and 9 negatives... I can identify 3 of the negatives and they're minor. The others were reported within the last year.

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