I disputed on line with Equifax....They have till the 11th....( They're taking their sweet time) I haven't heard from TU but I'm sure they'll send me the same thing I got from EXP today, which was a Information request sheet, because like a dumbass I forgot to put my SSN on my original val letter. Well this was my first time doing it. So now I know. I'm just pissed I have to wait the 30 days again. It's already been 30 of the longest days! : ) Should I return it R/R? Thanks Melissa