Thank you sooooo much for the valuable info you provide on these forums! Because of all of your valuable information my TU FICO score jumped 36 pts from 672 (7/18) to 708 (7/31)! I had a baddie that exceeded 7 yrs and TU deleted it. On EX I had another outdated baddie reporting twice and both were deleted. Yeah! EX FICO score 701 (7/18), I pulled the EX Vantage score today, 780. Not sure exactly what it means being in Risk Grade C or Credit Category Prime, but I'll take it for now. EQ fell 671- 7/28 (677-7/18) due to 2 new accts. That ok! I will patiently wait for the new accts to age (6 in all). Haven't had a credit card in 12 yrs until now. Will pull FICO for EX and EQ when I hear from Chase re:request for lates to be removed. Before I discovered this forum about 3 wks ago I thought I would have to wait it out until these fell off in12/07 or 2008. Now if I can only get a paid collection removed I will be on my way! Wow!!!!!!!!!