But my TU score is till 570. I have a late from the rehabiliating perkins loan which comes off 10/01. And the discover charge off which was NEVER on Transunion is now on TU. But that is due off 9/01. Other than that my report is good. But I do know of one other problem. I think TU reports my TU 3 times ..the balances that is. I remember during the mortgage process, the lender asking me if I owed a quarter million in student loans...and I was like WTF? He was referring to TU. I never took the time to verify that. But that could be contributing to my loan scores because of balances and debt ratios. I am just thinking. I was hoping the tax lien removing would bring my score back up to the 600's which is where it was before it was placed. Maybe it will take a few cycles with them to go up? OK, thanks for your time.! BYE!