My latest . . . I was successfully able to get MBNA to remove a 30-day late from all three CRAs on 7/25/03. Not really a big deal to them because it was only one 30-day on an account for which I was an authorized user. Today, a mere14 days later, it now shows up again (of course, dropping my score lower than it was prior to being removed the first time!!!) Well, gotta go start my letter writing all over again!