Equifax -- Repossession Texaco - pd. charge off Dillards - pd. charge off Capital One - pd. charge off NCO Financial Systems - collection account - not sure what it was/is Berl collections Transunion Discover pd. charge off Dillards - pd. charge off Capital One - pd. charge off Experian A couple of small things (I cannot located my documentation!!!). Other things came back verified. side note: Experian rep told me that they will accept a letter from the original creditor channeled through the consumer. Anyway, just thought I'd share. When compared to the time I have saved by not doing this myself, the service is worth it for me. I'll post another update in a month or so.