Logged onto CE this morning and noticed that a neg TL listed under CPA (Credit Protection Assoc) dropped off. Its kind of ironic because I sent CPA a validation letter on 02/04 and they hadn't responded and never put an "in dispute" notice on my CR. So I took full advantage of my bad mood yesterday and shot off a nasty letter to them. Oops! Oh well, after the bad things I have read and heard about them, I'm not worried about hurting their feelings. So now, I have one derog on Exp ( a judgement) and that is currently being investigated. My score was 639 yesterday and now its 693! Have a great day everyone! Lisa