I'm at the point where I've disputed MANY, MANY times and my TLs continue to be verified by the creditors (at least that's what the CRAs are saying!) Anyway--I'm trying the "1-2 Punch" method. I've sent verification letters to the OCs and I've received all my green cards back. I'm ready to send my ITS letters ("remove them or I'm filing a suit") to the CRAs. My question is: Should I send mine and my hubby's at the same time? I know I need to send them in separate envelopes, but will the evil mail-opening people at the CRAs get suspicious if they receive a CRRR letter from me and one from my hubby on the same day? Will they even notice? What is the likelihood that the same person will sign for/open both letters? Maybe I'm just paranoid, but I've seen so much underhanded stuff from the CRAs that I don't want to mess up. I'm going to talk to a mortgage person in the next couple of weeks and I want to raise my scores before I do. They've started to come up (I'm not real sure why at this point???) I've paid down a couple of very small balances, but that's about it. I have a couple of real baddies from MBNA that I'm trying to get off. If they come off, I should be in much better shape. Current scores: Hubby 550-570 Me 580-610 Thanks for the feeback--Debtchoked