The great advice on both the boards helped me to zap all but 2 baddies on each report. Then I noticed the verbiage on the info that Equifax sends you with your report relating to NY state residents: "New York State Residents Only: Satisfied judgements remain 5 years from the date filed; paid collections remain 5 years from the date of last activity" I started asking around and because of your input I found the actual NY State law regarding this: http://assembly.state.ny.us/leg/?cl=44&a=53 People still weren't sure that it was a sure thing, and wanted me to update them with the results. Well... I recently moved in with some relatives in NY, got my NY driver's license, sent in a copy of it to all three CRAs asking them to update my address. They sent me back updated copies of my report. POW! Equif and Experian were clean! TRU still had the 2 items on it, but I called cust service, and the rep said, "Gee, they should have come off automatically, let me DELETE them for you." DONE and DONE!! So, if you have SATISFIED judgements and/or collection accounts that are older than 5 years, and want to speed up the clock, find a relative (college friend, neighbor's sister, whatever..) in NY state, and move in with them for a while. Saving a few points on a mortgage over 30 years will definitely cover any outlay the move may cost you now.