Well, if you go by the date i started defaulting, they were back in 2007, but this recent one has that they started reporting this year like 2-3 months ago and the denial letter i received said you have recent deragatories and on the credit monitor for negative factors it says you have deragatories 0.2 months old. I want to attack the most recent negatives I have because I know they affect my credit the most. So I gotta figure which ones are the most recent, by report date or the actual account like last date of activty? As I stated, I disputed them, one seems to have fallen off, but not sure of score change as I have heard your FICO could have changed, but not your FAKO and I don’t have money to buy my FICO all the time like that, like $20 a pop. I’m going to just keep at it. One of the other recent ones, the collection agency wrote me and asked that I provide them with documentation for my dispute. I think that says “we have no documentation of your account”, it’s an old cell phone bill again from 2007 and I think they just bought the account and have no documentation. We’ll see what happens on that, but I’m planning to do pfd for the ones that I know are mine and are not budging. I’m ready for clean reports. In the past two years, the only negative thing I had was that I was late on my car note a couple of times due to major car repairs. Other than that, I have never been late with my Cap One card, student loans, store cards, or my mortgage, so I’m dealing with things in the past. Most are scheduled to fall off my reports in 2014 (7 years reporting), but I can’t wait that long! I’m about to pay off my car and I want to be able to keep it up until I need to buy another one!