I had the same question and got no answer for a long time, but when I got the reply recently, the advice was to mov the credit card company. I had disputed all of my accounts with the CRA's and ten were deleted, except for Providian (still a charge off came back verified 3x), but per Experian it should be off by 2010 (7 years). I will be trying the mov though. I'll need to read through the forum for the mov letter. Also, from Novemebr thru February, when ten items were deleted, my score jumped 100+ in EX and 80+ in EQ and TU.