1. Is it necessary to dispute a duplicate credit entry with CRA "B" if CRA "A" couldn't verify an entry and removed it. Do I need to send an updated copy of the credit report showing the entry deleted to all other CRAs and demand they remove it also. 2. I have disputed a few accounts with Trans Union and they sent back some cryptic credit report showing the entry as verified but the "last verified date" is two years ago. To add to the mystery some of the entries were deleted as being not verifiable with Equifax and Experian. Are they really verifying them or just ignoring my inquiries? Do I have to play hardball and demand some type of documentation or a contact person who verified the debt. Some of the accounts are from out-of-business companies, where I can't even get a phone number. 3. How can you successfully get a 3 year old judgement removed. I am willing to settle the judgement. With a revolving SOL and credit reporting time (I'm in Florida), I think I'm at their mercy on this...help!