OKay that makse sense. Thanks for the clarificaiton I really wasnt sure what purpose the transrisk and vantage is for when it isnt really used? OMG everyone uses Equifax and of course that is the worse. I can say, my score jumped to 577 today. I am so happy about that. Will be focused on the rest of the collections to be removed by the end of year. 
All you smart credit people are amazing!
