Duh. Anyway, I faxed that and a copy of my credit report with the actual date of last activity circled. So this seems to be proof that the original creditor did not in fact investigate the error and just assumed it was correct. Hmm. I am still waiting on a yes or no from the bank on my mortgage. On top of this mess, I found a house in a great neighborhood that I liked, and I was in the process of signing a contract the next day. Someone had a contract before me but wanted the owner to wait until they sold their first house. I was told I had a better chance since my mortgage application was already underway. I got a call that night from the realtor stating that the owner raised the price of the house by $5000.00. WTF? The realtor said the owner raised the price because he added new carpet and painted the inside, yet everything was already done before I looked at the house at the advertised price. The owner is a multimillionaire lawyer to boot! Another case of "screw the little guy!". My first mortgage experience has been less than stellar to say the least. Bah!