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  1. Just had to share: I started with the pre-HIPAA, as WhyChat says, just around a month ago, after having foolishly sent a PFD offer (that was obviously rejected). Should have done it sooner - wish I had known sooner. There was only one collection I was dealing with, and it was reporting as a current/open, so was really hitting my scores pretty bad. TU responded within about 4-5 days with a deletion. Got my EQ and EX responses today - both deleted. Thank you, WhyChat, I would have never known I could even try this without all of your information.
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