Years ago I fell on hard times and defaulted on several credit cards. I had no money to pay them so I stuck on the back shelf waiting for a time when I could take care of them. I finally was able to do this last year. All my cards had a $200 or $250 limit and with all the interest became $2500 or more each. I had 2 capital one and one aspire visa cards. I made arrangements to pay the compromised amount ($1, 600 each) for Capital One and paid those off then called Aspire. I tried to get the $2, 500 down a bit but they wouldn't budge. I had made a couple $500 payments so really I was looking for a reduction for the $1500. No Deal!! I already paid them 4times the amount charged on the account and still wouldn't deal. OK I borrowed money and paid the full amount. Aspire was to have reported the account paid and closed to the credit reporting agency within 90-days. It has been 1 year and they still have not reported. I called and was directed to the collection division. When I punched in my social the automation sent me to a collection agency that said I was not in their system. They told me to call someone else who said the amount was paid. They said to call Aspire again. I did that again and went round and round. I have yet to get someone from the company to fix this. My next e-mail will be to the BBB and Attorney generals office and the credit reporting agency and the fair credit act to make formal complaints.