His report should not reflect an 11,000 negative balance on a 9 year old account. Look for his
DLA (date of last activtivity). If the delinquency date that led to default is older than 7 years this
item should be removed from his credit report whether it is paid or not.
Even when lenders report a derogatory item on someones credit, they must still follow the
FCRA (Fair Credit Reporting Act). You can obtain a truly free copy of your credit report from
each credit bureau once a year at www.annualcreditreport.com This report will not give you a credit
score, unless you opt to purchase a score. The most important thing to start with is the credit itself,
not necessarily the score.
This will tell you what area's you can address to make the most significant impact on your (his) credit
score. If you can clear derogatory, and find ways to improve your scoring in the other four areas that
compose your credit score your score will improve greatly.
Hopefully this was at least a little helpful. Feel free to email me if you have any further questions.