I took time to give enough information to explain exactly what I needed help with, and it was completely disregarded. I did not ask for suggestions of credit repair companies. I appreciate the attempts to "help" but no thanks.
If you dispute accuate information it does have a chance to pop back up on your report as long as its still within th 7.5 year reporting period that excludes from your credit report. Midland does delete trade lines that are paid and at least 2 years old or older. Verizon is a really hard one they won’t respond to any PFD I’ve sent them. You would want to reattempt with citi because any charged off card factors into your utilization and is most likely updating monthly which is hurting your credit score even more.
If you are asking what companies to use, I don't think we are supposed to talk about companies like that here.
If you were to google "five best credit repair companies", you will encounter lists on other sites.
This site is run by the company behind FICO scores and is not very keen on in-depth discussion of disputes aside from removing 100% verifiable wrong information. Other sites have more discussion of that topic.