Thanks for the advice.

I've done all that.

Did PFDs for most of my collections, so they're gone. Only 2 unpaid that remain are a VZW collection, which I plan to PIF and my federal student loan.

I have one paid collection left with Midland, and they refuse to remove it. I have consulted legal counsel and am preparing to sue them for other violations.

I have paid state student loans that went to collections, then I paid them. They won't budge with a GW either. Tried that several times.

Lastly I have an auto lease from TD Auto Finance showing 8 months of 30 day lates and a GW letter from them saying they have corrected the mistake. They asked for 60 days to update. That was about a month ago.

Other than that, I have 2-3 other auto loans that are 3+ years old, with a couple of 30 day lates each.

I know about GWs, PFDs - as this site and it's community are a wonderful resource. I've been doing this awhile.