The previous postings are correct. Contact all three credit reporting agencies. Also, read up on the practice of reporting credit (Far Credit Reporting Act, FCRA) and also the practice of collecting overdue debt (Fair Debt Collection Practices Act, FDCPA). Get to know the rules, and clean your credit up as best you can. Even accurate reportings may be deleted. The individual websites have information on how you may go about disputing an inaccurate listing. Post here if you have any more issues.