2 old collections with balances gone from my report! 1 CC that was late all the time that I was just an authorized user on, not the person making the payments. The only thing left on my report with TU that they say may be adverse is my closed and cancelled sears account that shows some really late payments. I would like to try to get that removed, but I am not sure how. Other than I can find no DOLA unless that is the date closed (I think so) which makes me wait forever to fall off. Ah well, at least 3 others are gone.