I have been trying to fix my credit since April, stumbled across Dave YouTube and since May have gotten multiple deletions but my score up & down. 3 negative accounts still remain Navy Fed, Amex and Calvary which has been giving me the most problems. But finally, I’m so excited to share some great news. By using your secret letter method, to dispute the inaccuracies using metro code, the law and escalation to attorney general etc if not deleted. Well 1 of the 3 accounts have successfully been removed in 15-30 days American Express. Thank you Dave