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  1. So I defaulted on a student loan years ago. It's listed on my CR about a few times, as AES/NCT, CItizen's Bank, etc. I settled with agency (Richard Boudreau) for half the amount as they agreed to post it as Paid in Full and I really wanted to get this in my rear-view. They sent me a letter saying that they would report it to the owner so I sent the cashier's check certified mail. However, this was over a month ago and I have yet to see a change in my CR. I also have not received the paid letter from the collector as I was promised. Any advice as to what I should do? I am really ignorant to all