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I got onto Equifax's gold credit watch... simply because I was supposed to get deletions on three items (already removed on TU) on June 1 and July 1. Well, fellow CBers, all three are off as of today, JUNE 1, as promised. Experian is another matter because 6 accounts that were settled or sold off (original creditors) are all still on for another two years because they have not yet gotten a spanking from the AG (Yes, bravegirl and reader65, we are working on it!). But to have what for me is an accurate report excepting an old mortgage that is supposed to be corrected per Bank of America, a deceptive practices Citi collection(in the hands of a lawyer) and a re-aging from Dell (waiting for the statements to prove it or I will 623 the situation) I am clean.. forgot the tax lien but it is paid and the CPA is going to have it removed because it was in error... forgot the collection on a exterminator bill but again, missing payments- not recorded- so it is in process of getting validated. The Mortgage collection is able to be paid but we can't find the person that the mortgage was sold to. But, these are all fixable. I have applied for a secured credit card and a credit builder. I am going to try to start again. And if Experian cleans up its act, I can apply for my old amex dated 1982- Joy. I would still have a list as long as my arm had I not logged onto here to look at how to do things. I have not lied or misrepresented anything. I am just getting the monkeys off my back and the wrong addresses and names off my record. I still have much to do but since it is only Experian that I can't fix until the AG does, I feel as though I have done all that I can and I see PROGRESS!! Looking at a list of 4 negative reports is a long way from 20 original creditors and their collection agencies. I would also like to give a big thank you to BANK OF AMERICA who supplied me, FREE, with all of the copies of check from my records that were lost in a move. Thank you Sheryl Parrott, for your incredible effort that you exerted to help me. However, I am waiting for a shout out for John VanVoris in the AG's office in NY for an effort to correct Experian's wayward interpretations of NYS law. Thank you NYState as well for trying to help out your citizens who are trying to clean up their lives with the 5 year purge law. Soon, if it doesn't happen with Experian, I will just freeze that report and move forward in my life. THANK YOU ALL!!