One was my student loan that was reporting "Claim filed with government" on my Exp...I've been fighting this since Jan..with Sallie Mae telling me they'd fix it, then no change, then they'd fix it, then no change..and they'd send me these stupid generic letters (we are updating your report) that didn't give me enough to fight it myself...well, today, with the mortgage looming, I refused to get off the phone until they faxed me a specific letter..I mean, I just hung in there. Called back until I found someone who would help..asked for supervisors of supervisors and kept saying to people, "My house depends on it..I'm sorry, I have to insist"..over and over and over..and now, I sit here with a letter stating that I was never in default, no claim was ever filed with the government! That was one! Now, I've been trying to get this accomplished for 6 months..so I'm thinking what was the difference today? DESPERATION! They were NOT going to screw up my loan...and I didn't give up. So, it now occurs to me that I lacked that before..after all, I had time..so I accepted wait and see answers...blah blah....so I've learned something. I will address each issue like it is IMPERATIVE that it be corrected..not tomorrow, not next week...but TODAY! It makes all the difference!! For instance, today, they said to me, we will fax that next week..and I said...No...you won't...I need it today..my house is on the line...I didn't scream, I didn't yell, I just hung strong...and I asked for supervisors..whatever it took... So..now I know the secret..it's simply to refuse less ! Ok, am I crazy or does this make sense to you all??