Anyways....I got my score and was rather shocked: Drum Roll... 605! (Is this a joke?) I seriously expected something in the low 500's. My report consisted of the following negative info: Public Records: None Open Collections: $84 $87 $1200 Other negative info: 6 paid chargeoffs w/ zero balance 1 account that was reported 60-90 days late that was settled for less than full amount. Just a side note: Junum obviously is disputing stuff because next to almost every singe negative item (w/the exception of like 2 items)it says "Costumer Disputes....re-investigation in progress". Well, I find this rather interesting. At any rate, I have sent TWO validation letters regarding the $84 and $87 collection accounts (for some checks that I didnt' write) and they have NOT RESPONDED! What should I do now? As for the $1200 collection, I have already negotiated w/ the original creditor in exchange for complete REMOVAL but I see that Junum submitted a re-dispute for that one. I think I'm going to wait and see the results of that before I pay. No sense in blowing off $300 that we agreed upon for nothing. They told me that the offer will stand and I can do it when I'm ready so I'm not pressed for time. But I did promise myself that I would have stuff taken care of by June.