I got a letter from TU today from my last dispute saying they had received it and would give me a response by 5/12/01/ But then they also included a letter stating that the amount owed was correct and wasnot a balance and would be reported that way. I think I have to just dispute the accounts as not mine. I didnot want to b/c they were student loans and had my social and I had problems getting them off Experian that way. Junum got them right off my experian report. I think I will rehire Junum. I also got the credit repair letter. It said to give them the name and address of the credit repair agency i used. Right! lol Anyway. Thanks for listening. roni