How did you keep from having that listed on your credit? I refuse to let my son ruin my good credit so I make the payment and know it will be on time. He's supposed to send the payment to me to cover my payment, which rarely happens on time. Darn kid anyway! Grow up already! Since going through this with him, he's asked me for loans and I refuse. So, I guess he's making it on his own. Has a roof over his head anyway.