I'm jealous! I'm jealous You know, I wish I could use credit expert, but my experian report is actually almost perfect. Only one 30 day late payment from 5 years ago that was already validated. I decided it's not worth pursuing it. Anyways, I got the 4 scores/reports from Equifax for the price of 3 deal. Got 3 more reports to go. Which reminds me I need to use one of those to see if the collection agency has deleted that account yet and if Monogram has removed the late charges... Chris