For some strange reason, one of my credit cards that I have not used in ages dropped my limit from like $4,000 to a dismal $300. Not that I needed to use it, but what the heck? So I requested a limit increase and was denied because of a collection that was on my credit report. Ugh. Long story short, because of stupid selfish people my credit got dinged because the lawyer and doctor from my car accident many moons ago wouldn’t agree to an amount. It’s settled, but still on my credit reports…just noted as paid. Anyone know if it’s possible to have it removed or am I forced to wait the 7 years? It sucks because it was for $10,000!