[ntnsllc]

I've reached a plateau. And it's frustrating. I have improved my score by over 100 points (519 - 626) and can't seem to make anymore progress. Here's the problem I'm having:

I have two HSBC CO's that are out of SOL. No CA's are reporting these because both broke the law, I sued, won, and debt was extinguished as part of settlement...(they threatened to come over to my house w/ the Sheriff and repossess my belongings, and left that on a voicemail!) Anyway, the OC keeps verifying each time I request an investigation. This recent time I sent a DV to the CRA's. Equifax came back saying the accounts were not reporting or have been removed previously. Exp, and TU say the accounts are verified. HSBC has not verified with me! I recently disputed the payment history as reported incorrectly. It shows a series of late status like this: 30 60 90 120 180 180 180 CO CO CO, then reverts back to 60 90 120 etc. So I sent DV to CRA and verification request to OC. Exp and TU have verified it, but deleted ALL payment history!!

Should I just keep disputing it over and over? Or is it time to hire a credit repair agency? (would they get different results?)

Also, I have a Chase CO that is out of SOL according to my records, but not theirs. They verified with me in writing saying they have recorded calls of me discussing the account and that this alone indicates the account is mine. I know there are recordings of me with a CA discussing this account...that CA lost a lawsuit for breaking the law by the way!