I have had credit repair services working on my restoration for about 3 years now, and after finally changing to a new service, I am down to 4 negatives on TU, 7 on Equifax, and 7 on Experian. I notice that the negatives from the 3 CRA's are consistent - meaning that the same accounts are appearing on all 3 reports. Apparently they are responsive to my dispute letters. So, my question is this. Since they are fighting me on these, should I try to settle the accounts by payment of all or part of the balance due, or should I continue to try to have them deleted? If I need to do a settlement and as part of that they refuse to delete the items, will I be able to subsequently dispute them and get them deleted? Or will it make it harder to get them deleted seeing as I have paid on the balance? I am willing to pay them, but must have them removed. What should I do here guys and gals??? Any help would be appreciated greatly.