My scores at the time were Ex 650 Eq 620 Tr 633. The LVNV charge off was from 2011 ($1k) & the Capital One charge off was from 2009 ($10k). Since then my scores went up but then I lost an average of 20 points from the dispute deletions & I'm now at Ex 645 Eq 612 Tr 620. I'm stalking my reports waiting for the updates...hopefully my scores will boost because of the decrease in utlization. I've also been goodwilling LVNV in hopes they feel generous.