Just pulled another of my TU reports. I had a dispute w/ them 1/18 and I was getting antsy for my results. Woohoo they did what I wanted!! Finally deleted that pesky school loan (non-govt) and updated JCPenney to never late!! My score only went up 6 pts from 680 - 686, but I'm not complaining. I have one collection account left that "should" be relatively easy to remove (it really isn't mine) and that will leave the BK (from 1996). Just had to share with someone!! TU 12/2002 - 9 negs, 8 pos TU 2/2002 - 1 neg, 7 pos *now just hoping the online version was correct*