His score jumped by 86 points!! Thanks to everyone who helped me!! I think what finally 'did it' was a combination of my last letter to Exp. and DHs phone call to Sears' legal dept. I was to the point where I really thought there was NO breaking down the Exp/Sears combo, and I was about to SUE. I have to say I'm relieved it didnt have to go that far. This is very encouraging and I just might try fixing my own credit report now.