As far as other negative stuff left...I have a paid auto chargeoff from Ford Credit (don't ask....for those of you who know me know the story...just thinking about it makes me sick!) that is due to fall off in Feb 02. Junum has disputed this several times to no avail. Always comes back verified and updated, etc. Any suggestions on how I can get this off sooner? Also I have 1 student loan reporting as I5 for $1700. I consolidated my loans and originally I had 3 student loans from the same place reporting as paid student loan collections but Junum got 2 of them off. The last one keeps coming back no matter what. I'm not sure when it's scheduled to fall off...I think sometime in 2003. Anyone have any suggestions on this? I've called the CA Student Aid regarding this entry and basically asked them to remove it....of course they said NOPE!