Well, after three months and three rounds of disputes for both my wife and me, I thought I would list who I have had success with and who is being a pain by verifying... Good results: FNANB/Circuit City w/Equifax Capital One w/Equifax Chrysler Credit w/Equifax Cross Country Bank w/Equifax First Consumers NB w/Equifax First Premier w/Equifax and Experian Providian w/Equifax Associates NB w/Equifax Mixed results Household Bank Associates NB w/Experian Anderson Financial (CA) Capital One w/Experian Poor results: Citibank Ford Credit Universal Card American Professional Credit (CA) Anyone else have encouraging or informative news to tell?