I wanted to thank everyone here for the wonderful information and advice!!! I'm down to 2 derogs on EQ and EXP and 1 on TU. My scores are TU FICO-748, EQ-689 and EXP-672. The FICO score simulator says that once the 2,500 I just paid off is updated on my reports all the scores should be in the 700's even with the baddies still on the reports. YEA!!!! I couldn't have gotten this far without this site that's for sure. Thank you again! For the remaining derogs (Paid Cap1 C/O, and a bunch of lates on a paid chase account), I've already disputed them as 'never late' twice but they were verified both times. I was wondering what the best way to dispute again would be? Should I do 'never late' again and hope for the best or try something else?
