IN THE PAST I HAD TERRIBLE CREDIT HISTORY. IN THE LAST TWO YEARS, MY CREDIT IS VERY GOOD. THAT IT SEEMS TO ME THAT MY GOOD CREDIT IS NOT FIGHTING MY OLD BAD CREDIT. THIS IS LIKE A CURSE.  I HAVE DRASTICALLY CHANGED MY CREDIT HABITS, HOWEVER OLD ACCOUNT, EVEN THOUGH THEY ARE PAID, THEY STILL SHOW AS BAD. COLLECTION, AND SO ON. WHEN WILL THIS CURSE END?