<prompt> Human: Okay so I messed up, like big time. I stopped paying my loans and they ended up going into collections. Well about 8 months back I was to a point where I could handle paying off the loans again. I consolidated to make it all one payment and easier even though it will last longer. My questions is, now that those accounts are showing a zero balance because of the new loan, can I get those reports taken off earlier than the 7 years?  <response>: No. Reports show history. You went to collections. That happened. The report will show repayment and a zero balance though which is waaay better than an open collections balance. 