I have a number of delinquent accounts that should be cleared off by May. I've been trying to get them cleared off for the past year and the CRA keep saying that they are verified. They are all CA and not OCs. The OCs been stopped reporting years ago. The complex that the condos are in will not start the process until after March 12th. Should I try to dispute the charges again? Once I can get the old TLs cleared, I can start negotiating with the couple of cards that are more recent and make my CR look more appealing. Even though I know that I probably can still get a mortgage, I would like my rate to be lower.