Hi,
Been lurking and soaking in the awesome advice that appears in this forum. I've learned alot and I've use that knowledge to get a CO and a collection totally deleted!. I never disputed the debts. (Co was paid a year ago, appealed to a higher up on the company food-chain and received a letter this week that the trade line (with reference number) would be deleted). The collection was me simply talking to the person in charge. She said if I paid it, she would delete it. And got that in writing too!.
I'm waiting for those two to hit and hopefully I'll get a good-size bump on my score.