Hello BHW. A close friend of mine is in a situation and I would like to help him but don't know how because of his situation. This is stopping him from buying a house or nice car for himself because his credit is screwed up. Well here's his situation.. to make a long story short he went to college, graduated, and couldn't pay off his student loan and collection agency is after his things. They backed off I guess but he's not sure because he has a new # and address so he doesn't know if they are still trying at his old location and he would rather not find out. How can he fix this is there anything at all he can do to clear his credit and finally have a good life? My concern is that the collection agency was already after him so how can he not deal with them and get completely out of this? If anyone here can shed some insight on this for me please help thanks.