I just wanted to share some HAPPY news, and give a little encouragemant to those who might need it. It was less than two months ago that my three reports had a three tradelines reported as BADDIES. With one dispute written CMRR and one dispute via phone they have all disappeared from all three reports. It was so nice to see my reports cleaned up I can't begin to tell you. This all happened SO fast too. Now I have instead, a new Visa account reporting, and am waiting to see a new AU reporting shortly. I also have a new secured passbook loan although I'm not sure when this will report. My scores have risen from below sea level to ......actually I'm not sure yet because I refuse to check MY FICO.....but I'll wait to get some good payment history before I do. If I was able to accomplish this in such a short period of time anyone can. Keep at it, never give up, persistance, perseverence, and optimism that you will do it will help you through the dark times. HAPPY HOLIDAYS ALL...........................