Well I was a busy beaver yesterday after pulling scored (tanked due to balances) - and went after the one collecction and the tax lien... they will PFD the collection (communicated by email) and I am GWing the tax lien for removal (gutsy move on my part - I emailed the state Comptroller) - no response to that yet but government move 'slowly'
Also paid down cards (except of rthe 0%/12 month one) to 'resonable' amounts (less than 50% on all 4 showing a balance) - Yes, I am 'setting up' --- July-Sept many of my cards hit the one year mark.... so I am looking for CLI even in this credit climate.