I am not 100% sure it is mine that is why I sent the DV

If they can validate I will happily PFD

I am PFD'ing and HIPPA (Medical) everything I know for sure is mine and have had

a bunch (22 down to 5) collections come off my report

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Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards