On my EXP report there is a credit item listed, and under status details it says : Status: NO STATUS Your comment:"Account in dispute under Fair Credit Billing Act" This was an item I disputed. They investigated it but never let me know the outcome. Since it's there, I guess it remains LOL. I just sent a validation letter to the source listed. when it's listed as no status, but listed with credit items, it's still a derog right? Thanks me