Okay... we've been at this awhile and gotten great results. I am going to post mine and DH's in separate posts because they get long. Here is what is left on mine: -------- Wells Fargo Auto - Closed/paid 8-30 1-60 lates (no lates in the last two years of the loan) - DOLA 5/02 Showing on EXP and TU I've disputed as not mine twice and never late. Verified. --------- Cross Country Bank - Account transferred or sold/paid - R9 - DOLA 10/98 Showing on EQ and TU Disputed many times always verified. I PFB'd, got a letter stating that they are looking into it. --------- RMA - $2700 - Open - verified - but the duplicate has been finally removed. This one I am going through the validation process. Just sent Val2 letter CRRR. I already have at least 2 violations, just biding my time. I have quite a few inquiries from home buying Positive credit: First Premier closed with 2 years history DOLA 9/98 Summit Lease (auto) Never late $28615/26553 Providian $250 2 years in August First National Bank of Marin $450 2 years in October Cap 1 Platnum $300 new Target $300 new Chevron $300 new I am still paying down the cards and will have a mortgage loan showing up soon which might ding me at first but will hopefully help the mix in the long run. We have a checking and opened a savings account. Plus my employment status just changed from "blue collar" to management. If they truly give points for that perhaps I should update all three CRAs. Anything I am missing?
