Hi, Just got finished checking my mail and my latest disputing results came back from Equifax. Here were the results: Judgment: Verified (Paid) Judgment: Verified (Paid) Collection Acct #1: DELETED Collection Acct #2: DELETED Collection Acct #3: DELETED Wireless Phone: Updated to Unrated So far what I have noticed is that my county is pretty good as verifying the judgments. The entire entry on my reports (2 judgments, and 1 bk) are all accurate. I cannot find any other grounds to dispute. I would welcome any suggestions. One good thing is that this report is now free of collections and maybe this will boost my score. In addition, I am still waiting for the Cap One entry to change and see it's effects on my score. I plan to wait until the end of January to pay for my score again. All of my other accounts (7) are showing a R1, I1 or unrated status with the exception of Cap One. Thanks to you all for sharing your experiences..they have helped me along the way. nj_newbie