OK, now this one is for real. You know what makes your day? You log on to CreditWatch just for fun (no alerts) and find out that ALL THE DEROGS ARE GONE. EVERYTHING. POOF! Gone! And even better, an acct that was recently closed by the grantor (when I pulled out of credit counseling), shows only as CLOSED. And the topper is -- it had a 5k balance, and they are reporting it as zero. I love it. My FICO went up to 732. And it's clean! I think I'll go have a margarita now.
