I have been looking through the posts here and had some baisc questions that I hope somoeone would take the time to respond to. I would appreciate it VERY much I have several accounts that have gone from the original creditor to agency after agency. They all seem to relate back to the same debt, or the same debt with interest. The original date is from 1993. Firts, how do I get this to show that it is not four items but one. Also how do I get it off there, or which one couldc come off? How does one dispute? Is there a form letter? What are grounds for dispute? Should one dispute all? In the above example..if I have four listings of the same debt...which do I dispute? Are there any companies/firms who are legitimate in taking off the negative listings? Wil lthey remove negative listings such as late payments and chargeoffs? I have gotten emails from Lexington Law firm and have heard of the JUNUM.com site. Anyone use these? I am looking of course to remove all negative reporting. Can this be done? Anyone experienced willing to look at my report to see what is what here. It is VERY confusing! Thank you for any advice!