There is open source software that one can use for the main flows and forms: https://sourceforge.net/projects/opentaxsolver/ It seems to work and will produce PDF of the forms with data filled in for one. I appreciated it. It will also handle some of the states. It took a while, but I did find how to check out via subversion: svn checkout 'https://svn.code.sf.net/p/opentaxsolver/SrcCodeRepo' I use subversion so... - Source: Hacker News / about 2 years ago

But the debt may continue to impact your credit for longer than those seven years because the collections company can also place an item on your credit report. Depending on how the account is handled, whether it’s within the statute of limitations and whether you attempt to negotiate or pay the debt, the item can appear on your credit report for as long as around seven-and-a-half years from the last payment... Source: about 1 year ago

I read a lot about ignoring the Vantage scores provided by Creditkarma and while I'm satisfied with my Experian Fico 8 score, I got a trial membership on credit.com to see all the other Fico scores. Source: over 1 year ago

Just requested the credit.com people to remove it and also disputed on Transunion systems, hoping that it gets removed soon. Should not be affecting me negatively then, right? Source: over 1 year ago

So if I understand correctly, FICO 2/4/5 are used for mortgages. I then tired to dig deep into my report and got a free weekly trial from credit.com to see all other FICO scores. From 3 bureaus. And as per credit.com, my credit age and account mix ratings are either C or C- category (across all 3 bureaus). All other factors have either A or A+ (if that matters). Source: over 1 year ago

I opened an account on credit.com, like you said, and canceled immediately. Credit.com shows my FICO 9 score as 668. It also shows that I have 2 negative records. They are both the same collection that I mentioned in my original post (2 different bureaus). Source: over 1 year ago