I have been reading your board for awhile and started working on my credit report. I started with Experian. I disputed numerous items - Capital One, Bank First, etc. had late pays - all were removed. I also took the boards advise and had all my Cap 1 cards consolidated and the credit limit raised. I need to call back regarding lowering the interest rate. I can't tell you how many things were deleted. The majority were when I called experian adn complained about all the incorrect information. All in all it was easy.
