I've actually been working on cleaning up my fiance's credit, not mine. Long story - tell later. I have read through the FAQs and PsychoDoc's newbie page. I started the disputing process a couple of months ago before I found this site. I was able to get quite a bit of derogatory items off of his reports and only have a few stubborn ones left. One of them is an old Capital One account. I believe it's passed the SOL. It's the only item that is still on all 3 CRAs. I've already sent the letter asking for validation, but now 1) I'm wondering if I even should've done that since the SOL is past. and 2) I saw on another website someone who tried to sue to get CapOne off of their credit report and ended up paying not only the old balance due, but additional finance charges (after their charge off) AND attorney fees! I have to admit that scares the hell out of me. last activity on the account is 01/01. SOL here is 3 years. (SC). Balance shows $815 on EQ, $806 on TU, and $733. All 3 CRAs have "verified". Thanks and good to meet you all!