I was successful with 3 PFD (medical bill/ER copay) that my Ex Wife failed to address and because she was on my insurance it was on my CR and an ATT bill that was not mine but reported by a company called AFNI. The letter templates which I used were based on letters found on this site. Thank you for your stories which offer encouragement to all that read; for the advice from those in the know and to everyone else... for keeping the light at the end of the tunnel burning just a bit brighter for those of us just starting out. Thanks again.
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.