<prompt> Human: Hey guys, so Im in some hot water.I started attending school last year, as a freshman. I got a partial loan for first semester as my parents agreed to help with the rest, as first semester came and went we applied for the second semesters financing. All seemed to be smooth as butter, no problems.I ended up dropping out because of some personal issues, as well as getting a solid job and all that. Came to find out, Wells Fargo never disbursed that second semester, to the tune of 9,650. Nothing was communicated to myself or my parents, by either the school or WF. All I got was the school suddenly breathing down my neck for 10k right then and there.I, obviously, dont have 10k sitting around. So it got sent to collections. Thats fair, thats what they do. Collections agency gets in touch with me in the early part of this year, explain how much I owe and want to set up payments. Sweet! I can do that. So Ive been making payments since May of this year, chipping away at the debt.It came time for me to apply for a car loan, from my Credit Union. My local rep calls me to let me know that Ive been in collections since October and they havent reported a SINGLE payment, even though I have proof of payment. Clearly, I was pissed, so I called the collections people and asked what the fuck? and they pretty much said well its legal and its our policy, so we only report when its been paid in full pretty much leaving me delinquent for months and months.So next idea, get a personal loan I can easily afford it, I do make good money now. and pay off the collections in full, and make the payments on THAT loan which will boost my credit score and take me out of collections.EXCEPT-- now I cant get approved for the loan cause Im in collections even with consistent payments! Always on time, always over the required amount! I have other credit history as well, but this is dragging me down big time.Im not even worried about the car loan anymore, but this can really eff me up for the long run if I dont get it handled soon.Any one have any ideas? Ive filed a dispute even though what the collectors are doing is legal according to them with the credit bureaus, showing proof of payment etc etc. Aside from that, what can I do to get my credit on the right track ASAP?Thanks.---TL;DR: Collections agency is fucking my credit even though Im making payments and I dont see any other options in sight.Assistant: How are you in serious trouble? Once you pay off the collections, theyll mark your account as paid.Until then, pay for cash for things you need.Human: Well thats all great and dandy, but once its paid my credit score doesnt immediately jump up to happy numbers, its still a shitfest. So Im trying to negate that.  <response>: Well thats all great and dandy, but once its paid my credit score doesnt immediately jump up to happy numbers, its still a shitfest. So Im trying to negate that.Thats just how credit scores work. You fucked up, now you need to earn your way back into their good graces.Yes it will take time. But sounds like youve got plenty of it. 