My wife is disputing being added to my BankOne Visa with the CRA. The account balance is large and very near the credit limit but has not been late for 3 years. The account is current and I am not disputing the balance; only that BO showing up on her credit report. I received a letter from BO indicating all charges will be denied on my card until this matter is resolved. They also sent a letter for her to sign that she has never used my card. Does anyone know if this is legal or normal. Based on your form letters and my excel spread sheet skills I proved to Bell Atlantic that I was over charged by MCI for long distance international call. Yesterday I got a letter stating that I was right on some of the disputed call but not all of them. Bell Atlantic reduced the disputed amount by $511. Should that automatically take the account out of collections and remove the negative information from my credit report. Also should I ask to be reimbursed for my 6 hours of research time. If it does take it out of collections and remove negative information, should I just pay them $1K and call it a day.