Okay I am so excited! It seems that everyone is getting good news this week. I just saw that my Privista score went up 12 points! One account that was showing 30 days late (from Jan) is now Pays on Time and about 5 inquiries fell off. I have about 20 more to fall off from now to January. One credit card that I just payed down has not update yet so this should push my score up more! Now I'm going to dispute some inquiries and change my addresses on my account to the correct ones! Boy does verifying work. Citibank just credited my account about 80 total for a "mistake" they made. Long story but I talked my way into a credit. You guys have taught me well! Talk about a good day! My question on CE is that after you cancel service with them can you do another 30 day trial? Or is it just one trial and then if you log back on they bill you. Thanks to everyone for all the help! Citibank rocks!