Of 8 items disputed, 3 were verified, 2 were verified and updated, and 3 were DELETED! Of those three, 2 were paid student loan collections and one was another student loan (Perkins) that was reporting 120+ days late (which was incorrect). I'm sure this will be reinserted. It was deleted because it was unverifiable. Time for me to put all three reports in the envelope and mail back to Junum. I'm hoping for better results than this the second time around. So far, it seems as though of everything that Junum disputes, half comes back deleted (in my case).