So I am going to redispute it since I received a letter to accompany the dispute about three weeks ago, one week after I sent the dispute. I am also going to redispute the other negative item (was verfied in Oct. 2000). The dates are wrong. I will also ask to have both my Citibank limits reported. I am hoping to make it look like more than just trying to get negatives removed. The only good thing is I received a $1000 increase on my Spiegel card. I have had it four months. My limit is now $1400. I'll keep you guys posted. Good luck everyone with your own disputes!