So here's my dilemma: During my last semester at a state university, my mother whom I am a dependent of, lost her job. Throughout my college career she has been the one paying for my tuition but was not able to pay for my last semester. My tuition then went into collections and is now, unfortunately, negatively impacting MY credit score. Before finding out that we should have proposed a PFD, we have paid the collections off in full. Now it seems as though I am stuck with this for many years and I am desperate in finding some way to have this removed from my credit report.