1. All 3 reports list the date opened as 12/96, this should be the DOLA since we have never had any contact with these people right? Unofrtunately the SOL for MO for signed contracts is 10 years. 2. We have not heard from these people ever! I disputed the TL online with EXP on 9/18, last Friday we got a settlement offer from them in the mail, today they left a msg for my fiancee to call them. I just printed up a validation letter to send out tomorrow. Should I go ahead and dispute it online with the TU and EQ after I get the green card from the val letter since I had good luck with EXp, or should I wait until I get his old addresses deleted before I go any further. 3. The OC Jayhawk Acceptance, filed BK in Feb 1997 (I think) http://www.bankruptcydata.com/datasource_index.htm I also think the State of Missouri had a class action suit against them as some point. They tried to sue my finacee, but we got a letter saying that all lawsuits they filed had been dropped. But his TU report shows that the date they reported was 1/03, how is that possible? It is also reported as an open unsecured installmant account! This all stems from a car he bought in 1995, had it for 2 weeks, motor blew, it was all a big scam, the car lot, the finance company, the warranty they forced us to buy that never paid, all of it! But the bottom line is how can these people be reporting if they dont even exist any more???