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I have 2 negatives on my CR. Absolutely not mine !!! No way they can prove it, I"ll fight to the death. How much of a rise should I see in my score when they are removed? Anyone know how long it will take? I just sent letters to the big 3 Thursday. Someone out there has to have at least a guess????

Hi, guys, So I got some wonderful news yesterday. I happened to call Experian to cancel their free trial credit monitoring and they talked me into another free month. I said okay, and just out of curiosity checked my report again. It was about five weeks since the last time I checked it and I couldn’t believe my eyes. It was free of baddies. I’d had been working hard since November on five medical collections (same CA), one paid tax lien and one paid civil judgment. I tried to GW the OC on the judgment but after trying to reach out to them twice with no reply, I decided to take a break and figure out what my next step would be. I’d also asked the IRS to remove the paid lien from my report – they do that now, but it’s apparently not guaranteed for everyone who applies. I knew that was going to be a longer process, so I decided to settle in and wait. So when I checked my credit report yesterday the lien was gone and the judgment was gone. Whaaat? I called the IRS to inquire about the status of my request and the woman I talked to said the removal had been approved but they were still working on it. The way it was explained to me, I'd have to take documents they would send me to my county court/clerk and ask to have the lien removed, but it seems they're ahead of me somehow. Also, I had disputed the five medical collections and four were deleted rather quickly but the one for the largest amount ($1600) came back verified. So I was preparing WhyChat’s HIPAA letter as my next step, but when I checked my credit report yesterday that one was gone too! I mean, it had been due to age off the report next year so maybe they’re early? I’m not complaining. Is all of this too good to be true? I am planning to purchase my three reports in about a month to double-check this fantasy. If it is indeed true and they're all gone for good, I think I would be able to begin to rebuild. I have one Cap 1 Secured CC (just over a month old). I’ll use that for a three months or so and then beg them for a CLI (limit is now $400). After that, any advice? I’m not sure what the ideal number of cards is to have (I don't want a lot) or which banks would be best to try for. Can you guys suggest which cards I should try for and how long I should wait before applying? Right now I'm thinking to wait for about 6 months so my secured CC can some good reporting. Is that a good plan? Thanks in advance for any advice, and thanks for all the invaluable advice you’ve provided to me over these two months of my lurking and posting. I know I wouldn’t have been able to get to this point without the fantastic support from CBers and I can’t thank you all enough.

I received a letter today from MCM stating that they have instructed the three major CRAs to delete the account from my credit file...yippee!!! But wait...then it said it does not affect any credit reporting of this account by the OC. So I'm guessing the OC will still report this in my credit file?? Has anyone else ever received a letter similar to this?

Does anyone have any experience getting a Withdrawn and Released IRS tax lien removed from public record? I was told that once these are a matter of public record, they are permanent and the CR bureaus have different policies on reporting these withdrawn liens. I have heard of public records being expunged but would like some advice on the process.