I can only speak to my experience with EQ thus far, I had 2 paid collections removed from just my EQ report and my FICO score went from 693 to 802 the next day. I am still waiting on the results of the pending investigation from EX, and was not successful in getting the collection removed from my TU report from the pre-HIPAA letter. Pending the results of the EX investigation, my next step is to send out the ALT DV to CA and CRA follow-up letters to hopefully get it removed from TU as well.