1) Judgement (under the public records section online) 2) Cavalry Investments 3) Coldata All as not mine. The judgement was settled already and reported in 1998. The collection agency said that I need to dispute and they wouldn't respond to get it removed. The other two, I have no idea or ever heard of them.. I figured disputing these 3 items should be okay for first round? What has been everyone else's experience with this service?