I am 2 for 2 on Gw's. I had two PIF medical collection accounts deleted from my credit reports. EQ and TU have updated but Exp is still showing one. I disputed it and sent them a copy of the letter from the CA so it should be gone soon. On the other hand I fully expect to get shut down from AES for my student loan late payment GW. Still, without this site I'd still have 2 collection accounts on for 3 more years.