I have an old account on my reports from FUSA that reported on EQ & TU as 90 day late. I disputed and TU verified, but EQ came back as R9 "settlement accepted" When I wrote to FUSA, they sent me back a letter saying it was a paid in full chargeoff and now they are going to re-update all my credit reports (including EXP which was clean!) This is an old account and will fall off in about a year, but thats a long time to live with it on my reports, esp since its erroneous. Any ideas on how to attack this? Keep disputing? Try to get them on procedure?