My wife stopped going to a gym back in 2000 because of a car accident. She sent a letter (which she cannot find now) stating the facts and asking to be let go from her contract. Now, 4 years later, it shows up CO as we're looking into buying our first property. Should I dispute with CRA or CA? Should I offer to pay for deletion? Bank "B" has not run credit yet, but I gave copy of another bank's "Bank a" report. Any ideas?