fash cash loans

I havent called eq at all..too afraid they will wipe my softs while I'm bumpin .
The account is reporting on all 3 CRAs as never late/paying as agreed. The problem is that it is killing my utilization. WTF ??
Back in November, I got a collection letter from a CA regarding an account with a hospital. Upon receipt, I called the CA and they said they no longe rhad the account. I called the hospital and immediately paid the account .
Let's see...I offically started last August after walking into a car dealership and being called a "no pay nobody"...trying to finance a $2,000 car with a $1,000 down . They wanted a cosigner!