I have obtained my credit report from Equifax and wanted to dispute two 30 day lates. I tried to use the on-line submission form, but it's not working. Has worked for me for a few days. Would you all suggest calling them to dispute or sending a letter. I figured sending a dispute letter CRRR would be the best way because there is a paper trail. Does anyone have a dispute letter format that they would suggest. I want the letter to look and sound professional, so it is taking seriously. Any help is greatly appreciated. This is my second post....this is gettin fun By the way...what is the easiest way to obtain all three credit scores? TU gave it to me after paying $8 for my on-line credit report. EQ didn't give me any score with my credit report. What the best way? I'd like to keep everyone updated with my progress...and myself of course. Thanks Rythman Movin on up to the 700 club.