Hey Guys, I am not sure about the others who have RJM on there Experian file but mine has a drop off date of March, 2003. Well, I just got off the phone with Experian and the lady said that she would go ahead and remove it early since it is scheduled to drop in a few months anyway. So just and FYI, you may want to call Exp. and see if they can do the same for you. She suggested it to me, which was great considering that RJM is "messing" with alot of folks. I'll will check later today to see if it is gone though. I hope this helps.