Long story short....back in 97, I got a copy of my credit report and found a trade on there from 1st Premier bank. It was for a card w/ $250 limit in good standing. I thought this was some mistake so I called 1st Premier and they investigated. Turns out that someone had opened up an account using my info and their info as either AU or joint. First Premier said that they would take care of it and have it removed from my files, etc. I just found out that whenever anything is reported to TU as fraud, they automatically flag your account (others don't unless you tell them to). I'm assuming this is what happened to me since First Premier contacted the bureaus to have the trade deleted due to fraud. So, now that I know what's going on....I can rest easy. I guess I'll call TU on Monday to confirm all of this and request that my file be put back due to the fact that I can not be approved for instant credit if my account is flagged. As far as Junum is concerned.......I guess I'll stick with them because at first I thought that disputing was a simple as making 2 phone calls (TU and Exp) and starting an on-line investigation (Equ). I just realized that it's probably better to write letters and use their forms than to call.....I know that the reps can see your dispute history and when they see that you have disputes continually going, they might decided to take other measures and question your reasons, etc. The people in the mailroom probably just enter your diputes into the system thus not knowing your account history. So, me doing disputes over the phone might not be as effective as doing them in writing. In light of this new found knowledge....I doubt that Junum is doing on-line stuff and calling. They probably mailing all disputes. Sorry to all for the confusion.....I didn't mean to frighten anyone.