Hi everyone, I have been in dispute over a 99 tax return with my state for a long time now and it got me thinking about doing some work on my credit reports once again. I just signed up for Privacy Guard and pulled my reports and found that my Equifax is in horrible shape. I had trouble getting deletions with them in the past and then they "split" my report into 2, so I didnt know what the hell was going on. Anyways, I am back in the battle getting these baddies off and wanted to thank everyone on this board for all the info. Also, I wanted to mention how pleased I have been with the PayPal Debit mastercard. 1.5% instant cash back... I can't beat it.