OK. Thank you board!!! Bravo to Junum. They did a wonderful job for me on Experian. They removed: One (1) fireclosure Four (4) BK related discharged credit card accounts. One lost card. I left Junum as a client in May and went after the 2 remaining negative accounts myself. I sent a certified letter to EX demanding to know the name, address and telephone number of the person(s) verifying the remaining 2 negatives.. On Tuesday, I received an updated EX report. All negatives are gone. I have 2 negatives remaining on TU and have written them the same letter. We will see what happens. EQ will require more work to remove the 3 negatives there as I have found EQ to be tougher to deal with. For me, this is a relief as in S. CA where I live EX is pulled 90% + of the time. TU and EQ get very little action here. Again, thank you board!!! You guys have been very informative and supportive.