You seem like a nice person really trying to clean up your credit. If you haven't used Junum yet, I recommend that you don't and really just send dispute letters yourself. Take me for example, a LONG time ago, I actually send out a few "rounds" and had almost half of the disputed "trades" or whatever deleted. Use your own words, be sincere and simple. Really just Keep It Simple Stupid (KISS METHOD). These people who read your disputes don't know what the phrase "I will be forced to commence litigation" means! They are just ignant people working for like $10 an hour. If you want some help, please let me know. I have some very simple tips I could share with you. Also, I went back to read your response to the many congrats you received with regards to your student loan. I was TRULY struck by what you said about the regulars not responding... "I appreciate those who responded to the finale of my student loans situtation. And I am disappointed too that the many "regulars" at this site didnot post anything at all. Maybe they just missed the thread.....Nevertheless, keep getting those cards guys and cleaning those reports. And dont sue everybody at once guys....lol" smoochies, roni I think they didn't respond because most of these guys are not like you. They'd rather threaten to sue than be responsible for their debts like you. I wish you best of luck in your journey in repairing your credit. Tim PS - What the hell is a "bobby" anyway?