Just a note that since I found this board in Sep this year, I have successfully completed the following: EQ-8 CA deletions, 2 OC updates to positive TL TU-10 CA deletions, 1 medical deltetion, 2 OC updates to positive TL EXP-4 CA deletions, 2 OC updates to positive TL I have remaining 2 medical collections on EXP and EQ that are still pending a round of HIPAA related letters I just sent last week, and 3 CA accnts EXP is clinging to for dear life (of course!) but I am fighting hard! My scores have not had a tremendous increase but they will as I pay down a $600 balance on 1 cc account below 50% utilization. Thanks creditnet, I could not have done this without your help and insight! If I ever win the lottery I'll send ya'll something LOL Peace!