My only question is this: I'm currently working w/ Junum and they have re-disputed all negative items on my reports w/ the exception of 2 (1 student loan listed as a paid collection/chargeoff and a cell phone bill listed as a paid chargeoff). Do you think it would be wise to start an on-line investigation for these 2 items only? Or should I not do anything at all? I just want to try and take advantage while I have the opportunity. What do you guys think???? I don't want to raise any potential flags at Equifax by having 10 million disputes going.