Mortgage and Insurance

I’m currently working on improving things on my credit reports. I have a few questions and i hope all of you can help me in some way.

 

1) I have a single account auto loan with Crescent Bank & Trust that is listed as a joint account. I have called them several times to dispute this, and finally was told it was fixed in their system and to file a dispute with the CB’s and that would initiate the change on their reports. Will this have an effect?

 

2) I sent a PFD to jefferson capital and they replied that it is now settled. I sent them no money and they sent me no remittance information. it is already updated on my reports as a settled account with 0 balance. what is my best course of action in this matter? Do I send another PFD, GW for removal?

 

3) I sent a DV to NCO for an account I honestly have no knowledge of. It appears that on most occasions they just delete it anyways. Its been 3 weeks and still no reply. i read you should wait 30-45 days. has anyone had any issues with them not replying to the DV?

 

4) I have a judgement that will come off my report in May, is there anyway to estimate how much of a change that will have?

 

i appreciate all your help and kind replies in advance!