Stage 2 Repair

Every derogatory item has been satisfied. That in itself helped my scores, but I was not able to get everyone to delete their account in exchange for payment. I was in a position requiring the derogs to be paid, so I couldn't wait forever trying to get them to accept a PFD and just ran out of time on a couple.

Here's what I still have left on my report: 1 Judgment (EX only, falls off 10/08), a foreclosure (8/10), and paid collections of $513 (TU, EX, EQ), $43 (EX), $315 (TU, EX), $89 (TU), and $180 (EQ) all of which will drop off between next year and 2010.

My question is how to best rid my report of these early. Experian is the only one left reporting the judgment as I've been successful disputing with TU and EQ and having them delete it. Also, Experian is the only one reporting the foreclosure. TU reports it as 120 days late, and EQ reports it as never late, paid as agreed. As you can see the collections are spread out with TU and EX reporting 3 each and EQ reporting 2.

I've disputed all of these on many different grounds to no avail. I tried negotiating with CA's prior to payment with no success. I buy real estate and was forced into a position of paying them in the end in order to get the loans I needed and just ran out of time to wrangle with them although I spent at least 6 months on each of them with no success.

Will continuing to periodically dispute them do any good? Experian is the worst of course, but I'm stuck short of where I need my score to be and need to do something. My most recent FICOs are 661 (EQ), 675 (EX) and 685 (TU). I'm taking a 20 point hit for HELOC utilization, but there's nothing I can do about that at the moment. That will solve itself in a couple of months. I need to reach 720s, but even with the HELOC aside, that's a 15-40 point jump needed. Experian is the last holdout on the judgment, but I can't get them to let it go. The foreclosure hurts because even though TU isn't reporting it as such, it's reporting the late pays. It's from 2003, but still hurting. I think the collections factor, but they're all for such insignificant amounts - and all paid - and old - that they can't be doing that much damage.

Suggestions? What's a good nutcase angle? Anyone having luck with Experian? Anything...