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@Anonymous wrote:OK, i'm getting back $12,000. (no its not a typo!!) My action plan is as follows...PFD 6 collections (waiting reply)Trying to locate and PFD a judgementGW 5 collections paid entries (waiting reply)Applied and recieved 1 CC (not used yet)Got a $3,000 loan (to build credit and pay off CA)I have 11 negs (all collections or collections paid off)Only $6000 total debt that I can pay immediatlyOnly one positive on a JCP card that has not been used since 2003Im thinking the CC and loan will help add positive to my report since I only have one thats very old AND not to mention I am checking the mailbox every day like a kid to see if I've gotten any replies yet.Any suggestions?? I need my score fixed fast (dont we all!)