I don't know how mucn these deletions and changes have helped by score--(any ideas anyone?). One of them showed as a 10,000+ debt that was originally shown as a charge off--but that was incorrect because the loan was sold to another bank. Having this deleted was a MAJOR victory because of the amount. I was getting denied credit often because of the amount of debt it appeared I owed. Now I just have to work on the other 2 reports!