bank loans condolidate credit cards

My son had the Spiegel card, which was canceled with everyone else's when they had financial problems.
I see now, and from some other posts, that Privacyguard is old for some people and current for others...
I have done this with a couple of companies that were past closed for derogatories. I just make sure the old addys, that link me to the old derogatories, are off.
I think these CRAs and CAs have been a bad influence on me!