They are: Enhanced Recovery--Paid original creditor in full. CA listing now gone from TU and EQFX. Remains on Experian as: "Paid, was a collection account, insurance claim or government claim or was terminated for default" I will be contacting the CA to see if they can update my status to "paid in full." Verizon-Paid the original creditor as well. Remains on all 3 CRAs. It is incorrectly listed as "settled for less than amount owed." I contacted Verizon, and they agreed that it was listed incorrectly, and sent out another notice to remedy the listing. They provided me a confirmation number. ERC- Paid original creditor. No longer shows on TU or Equifax. It reads, "open. Paid." on Experian. I'm wondering if opened or closed makes a difference? The two monsters I'm still facing are a judgment that I'm chipping away at, and will have paid off in the next month. The second is All State Credit Services, regarding an old apt. complex. I'm still putting together a legal letter to send off, but I'm not sure physically how it is supposed to read. I wish there were a template lol! So, with all of this work, I'm only about 1/2 there. I will be ecstatic when I get to 700.