I started off by reading this board and had already gone online to challenge some derog info. I did a BK(ch7) two years ago for tax reasons only - had no lates, no problems w/ccards. So I went on an online dispute orgy, mostly challenging the state/IRS liens which had been released from the BK. Just got some "verified"s, so I started to remove old/wrong personal info using a series of letters. I continued to dispute the liens, but now took them on one or two at a time. I actually got ALL 3 IRS liens removed from TU and just got one IRS lien removed from Experian. Ask repeatedly, and yee shall recede... I also had one collection over a dental/insurance disagreement. I actually had no idea it was there, but based on the info I read here I called up and got them to agree to delete. It was a tedious process, because they didn't want to delete it, but I told my story and got bumped to manager. Told my story again, yet another manager. Still not willing to delete. I then said I will get the item deleted either way, but I would prefer to pay them the damned $54 and not write all the letters and drag them into court and collect fines in the process (never notifying me, no record of contact, etc). Got them to fax a note promising deletion upon payment and then gave them payment. Three days later it's off my TU - yeah!! Had I not read the info on this board, I would have settled for a "paid in full" and thought that was the best I could get. Now I'm working on clearing inquiries.
