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    <title>topic Re: Newbie in General Credit Topics</title>
    <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/138594#M69783</link>
    <description>&lt;DIV&gt;If they are legitimate collections you can always offer a PFD in exchange for the entries being removed from your credit reports.&amp;nbsp; Otherwise, the only thing that will help is time.&lt;/DIV&gt;</description>
    <pubDate>Wed, 23 Jan 2008 22:13:57 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2008-01-23T22:13:57Z</dc:date>
    <item>
      <title>Newbie</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/138504#M69745</link>
      <description>I have a few questions.&lt;BR /&gt;&lt;BR /&gt;&lt;BR /&gt;I received two of my credit reports. EXperian 584 and Equifax 622.&lt;BR /&gt;&lt;BR /&gt;I reviewed the items and notices that several have been sold to agencies that I don't recognize and I don't even remember these cards.&lt;BR /&gt;&lt;BR /&gt;I have a few big ones that are due to drop this year. Although, two have about two years left.&lt;BR /&gt;&lt;BR /&gt;What do I do first to get them removed??&lt;BR /&gt;&lt;BR /&gt;Thanks in Advance,&lt;BR /&gt;&lt;BR /&gt;Focus9</description>
      <pubDate>Wed, 23 Jan 2008 20:43:11 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/138504#M69745</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-01-23T20:43:11Z</dc:date>
    </item>
    <item>
      <title>Re: Newbie</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/138594#M69783</link>
      <description>&lt;DIV&gt;If they are legitimate collections you can always offer a PFD in exchange for the entries being removed from your credit reports.&amp;nbsp; Otherwise, the only thing that will help is time.&lt;/DIV&gt;</description>
      <pubDate>Wed, 23 Jan 2008 22:13:57 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/138594#M69783</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-01-23T22:13:57Z</dc:date>
    </item>
    <item>
      <title>Re: Newbie</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/139028#M69935</link>
      <description>Thanks for the advice Brammy, Does it make sense to request DV first on all the ones I have in question? If they cannot verify can I request they be removed? Focus9</description>
      <pubDate>Thu, 24 Jan 2008 14:33:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/Newbie/m-p/139028#M69935</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2008-01-24T14:33:14Z</dc:date>
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