I am real sad because I am supposed to be moving w/ my boyfriend soon and I wanted to get rid of the negative items before that. I don't think we'll get denied an apartment because of my report but I dont' want to take the chance. And I am stubborn, I am an aries. This entry, the one that is on each report is not going to fall of until 2004. The is the breakdown of the negative items on my reports: Experian= 2 negative items Equifax= 3 negative items Trans Union= 1 negative item Each report has between 8-12 positve items. It depends on what report you are looking at. I am lost. I don't know how to deal with these last few items. I have until April/May to clean them up. Any ideas would be helpful. Also, I really don't want to hire anyone because that will take a while for them to get set up. Thank you.