Any tips, appreciated too. I just finished a massive online dispute with Equifax removing over $11K in bad debt ! It's time to take on the other guys.. 1. My email is above, if you would be kind to send me a copy of Experian or Trans union letters I WOULD totally appreciate it! 2. How should they be mailed? USPS? One dispute per letter? 3. Any other tips.. It seems I can do this by myself and save a few bucks. Its the holidays. The lag time due to holidays may be KEY to getting items removed due to the 30 day rule and general slowness of business during this holiday? Any tips, post em up, Better yet, if you can post a DISPUTE letter for TU/Experian/Equifax (all 3?) here for others to see that would be GRAND! Thanks! Everyone here totally rocks, and has made my credit rebuilding experience fantastic!