While in college 7+ years ago, I royally screwed up my credit. Since then, I have been working very hard to clean it up. I have paid off ALL debts owed and have been successful in getting several items deleted. Because of that I was able to buy my first home with a 6% interest rate! But, there are a few persistent items that continue to show as PAID COLLECTION or SETTLEMENT ACCEPTED ON ACCOUNT that won't go away. I've seen the sample nuissance letter posted. But what are the exact steps should I take to get these deleted. What to letter should I send first and to whom, what to follow it up with? etc. I've already disputed all the accounts listed as such with all 3 CRA's and they all came back as VERIFIED. Please help.