Thanks for the reply, I think Im just going to have to tough this out I guess. I have no control of my credit because what can I do other than pay them what I can when I just got laid off. I didnt grow up in a situation that my family had money laying around for flight school and its okay for those fortunate enough to have that but I tell those guys and gals to just be thankfull you didnt have to scratch like I did. Your right that I may have to wait it out until the competiviness dies down a little