I promptly called the University. They informed me Experian never called or mailed anything to verify the judgement. They went so far as to fax me a letter stating such. I took the letter and sent Experian another letter (certified return receipt of course). Well today, I log on credit expert. The judgement was removed from my credit report. The astonishing thing is my score jumped 3 measly points to 603. Thats it......3 measly points! I am so disapointed. I thought it would jump atleast 20-25. I was hoping they wouldn't remove the judgement so I could take them to the magistrate. That way I could get all 6 lines removed. Well all is not lost. I have the letter from the Attorney General for one of the tradelines. It is my hope they will claim to "verify". I didn't send them a copy of the letter disputing the tradeline. Hopefully the deletion will be worth 20-25 points, as it was a collection account added in March. Can anyone guess the amount of points it will carry? I think FICO is more confusing because I don't think Fair Issac calculates they way they claim. There has to be variables that effects FICO scores that we aren't told about.