I need help devising a plan of action. This is what has been done so far. I have pulled a copy of my report from all three agencies and this is what I have identified. Equifax no negatives just a judgment date filed: 2003 plaintiff: NYS tax commission satisfied date: 2004 Experian shows the same judgment 3 times Queens County Regulation Court civil claim paid date filed: 2003 plaintiff: NYS tax commission satisfied date: 2004 Jamaica Queens Borough sate tax lien paid date filed: 2003 plaintiff: NYS tax commission satisfied date: 2004 Jamaica Queens Borough sate tax lien paid date filed: 2003 plaintiff: NYS tax commission satisfied date: 2004 Credit Items: NCO FINANCIAL ORIGINAL CREDITOR - NCO/PROGRESSIVE INS STATUS: PAID CLOSED DATED OPENED: 2004 CREDIT LINE: $66 LAST REPORTED: 11-2004 COLLECT AS OF 9-2004 Transunion public record paid civil judgment queens county clerk open 2003 paid 2004 Credit Items: nco financial progressive ins amount $66 closed 11-2004 Citibank ucs paid off 2001 closed 2000 opened 1997 late 2 times 30days direct loan svc system - still in forebarence late 1 times 60 days and 2 times 90 days 2004 Note: I have already disputed nco and direct loan svc in the past and it came back verified. I really need and aggressive tactic that will serve me well but any assistance will be greatly appreciated.