Hey guys, I've been reading and posting about 6 months now. Have had some great success but keep getting those "previously verified" things from the CRA's as well as them (EQ especially) just changing things or putting them in dispute for no reason. I've gotten a lot of deletions but still have some things I that I don't know what approach to use on. The very worst thing on my reports is one "settled for less" account that will fall off in a couple of months. The rest are late payments and balance/ratio problems. Don't have a lot of cash to pay them down but now have a few balance transfer options now that I didn't have a few months ago. In summary, I need someone who has had success with these types of issues to help me get these items cleared up. Any takers? Thanks!