You have to celebrate your success' large or small. Take a not from Johnny Drama, throw your hands up and let the world know that you have had a VICTORY! When dealing with a Collection agency you feel more like Manti Te'o does now after the planet has discovered the truth about his girlfriend, depressed, embarrassed, and wanting to hide from it all. But the Truth is is that There Is No Shame In Debt.  Heck, our Government has tons of it. What we will do is educate you on how to attain those victories for your FICO score that are actually very large.