mobile home loans bad credit

If there's a way other than getting a friendly lender to pull it or from myFICO.com, I haven't seen it posted on ANY board.
It seems to me that if they don't respond to your DV letter, then you send the CA a letter asking them to verify or REMOVE because the CASS later specifically states that they have to stop reporting, now if they validate the debt then they can mark dispute, but if they can't produce the original contract then they have to remove it!!!!!
2. How long once we start removing things does the FICO score jump? Or I should ask when we should see results ect.
Deferment negatively affected my scores....The balance keeps increasing because the interest continues to accrue.