Haven’t been on here a lot. However, I have been having success fixing my wifes credit. I was able to get the following collections removed. I spoke of Mid Land in the past but since then I have removed LVNV and Allied Collections. Her score shot up to a 715 approx. Was able to get her a Discover Card also. I just got a USAA Discharge off of my Trans Union report and my score shot back up to 720 approx. The discharge hasn’t even been on there a whole year. Still working on Experian and Equifax but I am confident I will get it removed from them also.
What I have learned is that you have to be persistant., especially with the collection agency. I did not just dispute items on the credit file, I went after the collection agencies. Right now I am working on my dad’s credit to remove 3 collections from his file. I know in a couple of days if I had any luck with them.