I have been lurking around for a while and have decided to post. I recently ordered all 3 credit reports and rifled off my first round of dispute letters yesterday. Most of my credit woes result from credit card charge offs from the early 90's. Most have dropped off. I also have some re-aged student loan collections that should be off, but are not. The main thing that puzzles me is transunion is reporting a civil judgment in the amount of 39,000, The funny thing is that they don not list any court, just code CT. I am concerned because I have read horror stories of lawsuits filed without notice. I was never notified of any such large debt, except maybe student loans which I consolidaed last year - the Consolidation people told me I could not consolidate loans if a judgment was obtained. has anyone seen such a thing? Experian and Equifax list no public records. Anyway, I disputed as not mine and will see what happens.