For those who don't know, I've been methodically getting docs and requesting disputes about the last remaining negs on my reports. Sallie Mae accounts, duplicated over and over, wrong dates, and derogs that don't belong, accts w/balances that were paid off 2 years ago... These accounts have been disputed 5 times over the last 2 years... all "verified". Just came back verified, and I just requested docs for it from the CRAs to make a better hanging rope. :You know, the "gee whiz how did you verify it?" letter Equifax actually had the unmitigated gall to say they did it in writing. OH cha ching... lawsuit time Here's the great part. Sallie Mae, by law, keeps micro copies of ALL correspondence in and out... and a detailed call log of every call about your loan. NO RECORDS OF ANY CRA EVER CONTACTING THEM ABOUT MY ACCOUNT, EITHER BY PHONE OR IN WRITING. NEVER. This is being sent to me in writing today from a Sallie Mae supervisor along with payoffs, dates, and my correct loan numbers. All the rest of my derogs and other info I want off has summarily been added into the disputes because I knew the CRAs would screw up... but I didn't think I could get difinitive proof they aren't even verifying... And when you redispute they're supposed to go the extra mile... I may actually see if I can get a check from them Anyway, just a quick hello to all that have helped and I'll let you know when it's all done. Oh, by the way, when they dissiminate this info via the mail, isn't that also mail fraud? Criminal territory here. Just a thought... and one I've added into my next letter to their legal department.