Credit Protection and Client Financial services... GONE thanks to recent disputes.. I'm hoping NCO will come off too since I had 2 previous accounts from them come off from DVing then this new one poped up...Arg, well, hoping I'll see a bump I now am down to...two collections on my report (really 4 but are not listed as such, theyre listed as "factoring acounts") No lates in 2+ years :-)