Transunion still has 6 baddies on it, but I am working on those with some good success. I was beginning to feel like I hit a brick wall until todays mail! YIPPEE!! All the baddies on Experian are older than 2 years. Transunion are from 10/00 and older. Equifax has 4 collections (10/00 and older), repo, and a few late pays. Equifax used to be my best report... And my favorite CRA. Not anymore! Any advice on how to get the remaining baddies off my report? I have a repo, a 120day late account, and a collection. Anyone have any luck getting Ford Motor Credit not responding to verification? They seem tough to me... Thanks!