1) Collection for $85 I had no knowledge of until I pulled report for a parking ticket my son received in his car, registered in my name. I called and spoke to collector, was told that if I paid they would change the balance to zero but policy is not to delete. It doesn't drop off for 2 months. I disputed with CRA, all I got was that it was updated. Pay or dispute (if so, with CRA or Creditor)? 2) Charge off for credit card, says $207 charge off, $138 past due. Not sure I understand that but it doesn't drop off for 2 years, disputed with Experian and it says updated. I'm finding it hard to find sometimes what they updated since I am new at this. Next step? 3) Charge off for car loan, $6300, says "written off 9/2010". Disputed with CRA, once again, updated but not sure what. 4) Credit card that shows charge off and status says "Petition for chapter 13 bankruptcy, $664 written off" and a note that says "sold to another lender" after dispute update by CRA 5) Civil claim judgement for $554 that said "remains unchanged" after I disputed with the CRA. The bad news is I didn't find this until I read other sites saying to just dispute everything so that is what I did. I did not keep good notes as to what reasons I used and steps I took but I sure am NOW! Any help/advice on any of these would be greatly appreciated. Just need to know what steps you think I should take next, what letter to use, etc.. I'm new at this so please be really clear LOL. Thanks so much!!