http://www.cdiaonline.org/acdvnews1.cfm GEORGE posted this link before, just curious if this could be used against the CRA's if they refuse to redispute an item that they verified the month before? Also, if you redispute, can you use the same reasons or do you need to change the wording around (i.e., instead of saying never late, now say I wasn't 30 days late). Thanks in advance - GT