( My TU report came back and all 4 items were verified. So I went ahead and called them. I got telephone numbers and called myself. Found out that 2 accounts should be reporting as 1 and is paid in full. They are supposed to send information to the CR reflecting this. I have a charge-off for CAP1. Apparently, this account has been accruing interest. What was once a charged off hundred dollar account is now a charged off thousand dollar account. Well it was charged off in 96 but I think if I go by the first delinquency, that was back in 95. So I'll leave it for now and let it "drop off". The last account a collection agency for a telephone company. Don't know what to do about this account except to send a negotiation letter. What percentage should I settle for? I really want them to delete this account. Well I guess Junum can't do anything else for me. I'm going to wait for my other 2 reports and see what the results are. I may go 1 more round with them. Then it's bye-bye. Darn, I was hoping for success like the rest of you. Oh well, can't win them all....I guess.