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Hello all, first post here at creditinfocenter. So I am getting really serious about credit repair and I want to attack the worst item on my reports, my only collection account. Okay so I was in school under CH33 GI bill and dropped most of my classes late one semester because of personal issues. This resulted in an "over-payment of benefits" to my Community College. The VA alerted me of the new debt of $563 and told me to pay it. I asked for a payment plan of $20/month and they told me that they could not accept less than $50/month. I did my best paid the $50 twice(May/June 2011) and then stopped because I did not have the money. I PIF the debt the following January(2012) as soon as I had the money but the damage had been done I now have a collection on my report. During the same time period late 11/ early 12 I had several CC accounts go 30 days and one go 60 days, however those aren't effecting me as much as the collection. I live in NY, so the worst case is I wait till May of 16 and get it deleted then with the NY 5 year rule. (DOFD may/11) I have been advised at another forum to write a GW letter to the VA and hope for the best. Reading in the same forum I have found one out of a half dozen actually get the VA to do the GW. What is the most effective course of action here? Does anybody know what direction I should head?