Well, I just thought I would give everyone an update of my situation. I started off with this: EQ: Cap 1 - 3 lates Discover - 1 late SM - 3 different TL same acct. each with 1 late LB - 2 30 day and 1 60 day late Macys - 1 late EX: Cap 1 - 3 lates Discover - 1 late SM - 1 late LB - 2 30 day late 1 60 day late Macy's - 1 late TU: Cap 1 - 3 lates Discover - 1 late SM - 1 late LB - 2 30 day late 1 60 day late Macy's - 1 late This is what I have left after my second round of disputes and a few GW letters: EQ: Discover - 1 late Collection(new) - $1700 EX: Discover - 1 Late LB - 3 lates (never re-investigated, going to get them for that one) TU: LB - 3 lates Collection(new) - $1700 Discover - 1 late(still in dispute) I had the best success with my second round of disputes. I am currently awaiting my procedure response. At that point I will send the third and hopefully the final knock-out letter. As far as the collection, I have a great friend to thank for that one. The CA has already called me 3 times since they received the validation letter(3 violations). It takes time but you can get to where your going. Sometimes there are set backs in your chosen path, how you get around them is up to you. Good luck to everyone in their credit repair journey.
