Well...2 Items remain on EX, 3 on TU and 7 on EQ. I sent letters to them all hallenging how they verified? We will see if I have any luck. I hope to get a mtg by January. Started this in June and I am really hopeful. Still cannot get a card yet, but hey at least I an get a checking account. For all those new to this, patience and persistance is important. Fiollow the advise of several people here and your life will be credit renewed.