The reason codes are the same. #39 serious delinquencies. The only negative on my report has a date of last activity of 5/1995. This is gonna fall off in nine months. I am depressed now. In addition, I only have one inquiry within the last 6 months and two others within the last 2 years. I am sad because I was expecting at least a 10-15 pt increase for the removal of the negatives. Bunch of crap.