Here is a copy of the first letter I am writing concerning this matter. All input is graciously welcome. Equifax Credit Info. Services September 18, 2002 KBANGER Dear Equifax Credit Info Services: I am writing to dispute the accuracy of my credit file. Currently you are reporting seven (7) items on my credit file which are incomplete. Please verify the accuracy of these accounts and update my credit file. If the information reported cannot be verified or reported accurately, please remove it immediately. The accounts in dispute concerning accuracy are: 2 accounts by X 3 accounts by Y 2 accounts by Z Each of these accounts contain unknown dates concerning payment history. These unknown dates represent a negative impact on my credit score per your Fico report based on my credit file. I have attached documents clarifying the specific areas of dispute. Please correct these tradelines as to maintain accuracy and completeness as prescribed under the FCRA. I thank you for your assistance and cooperation and correcting these matters and look forward to hearing from you. Respectfully, KBANGER Attachments (4) _________________________________________________ The attachments are copies of how the tradelines are reporting with the unknown dates and a copy of the FICO solioquy on how these accounts are negatively affecting my score I do not want to quote the FCRA at this time. I want them to figure it out. It is not my job to show them how to do their job. If this does not prevail, I intend to send a more detailed and instruction letter, following this one. Thanks everyone!