Hi Alhill4,
I am a WF Team member also.
Just wanted to wish you good luck on your journey. Do as muc research as possible. There is a lot of great information here. I was able to find a method to a particular collection agency to get them, removed in 3 days. Every collection agency and creditor is different. The best way is type in the agency name and do a search. You should be able to find others post with their experiences regarding that particular agency.
DO a search for "HIPPA"
a lot of people seem to be using that method to get rid of collection accounts on their credit reports
Good luck!
Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012