The first of the year I wrote down all the items that I wanted to try an have deleted/ removed. On my list was three collections an four 30 day lates . As of today (19th) ,Dillard's American Express removed a 30 day late. But the biggest surprise was having one of my items in collections DELETED! The best part , no money out of pocket. I filed a dispute with one of the CRA an after their review , it was deleted. Sorry for not remembering exactly why I disputed(since I was working on three collections). But the bottom line is it's GONE! As always thank you everyone for your advice an support.
What we use to say in the military...Never give up never surrender !
If the are valid debts I wouldn't dispute...I would however offer a PFD as my first course of action.