which one will prove to be the most consistent from batch to batch over time? there are several yards of it and 5 different ones. probably because i never actually stuck to any of them! he is growing up before us! you're guessing there has been no new issue this century, thus going on fourteen years. once this debt gets into the hands of the collecting agencies, it might also be reflected into your credit history. i hope you get back there soon. but how does it all happen? relax and repeat this exercise twice a day for best results. 