So I pulled my report the other day individually from all 3 CRAs. 1 of them shows I have EXCELLENT credit (790s). The other 2 (which has a pretty good score - low 710s ) shows that I have a bill that went into collection for a small amount (under $100 bucks). Normally I wouldn't care if it effected my credit or not but I'm on the verge of getting my first home loan and I'm right on the cusp of receiving the lowest rate by >5 points. And according to the loan guy they take the MIDDLE score (not the average) to determine my loan rate. I tried to dispute the amount from the 2 CRA online 3 days ago. I received a response in 1 day from one of them saying that they have "investigated" the matter and the CA report will remain.. the other CRA hasn't reported back yet. I'm guessing they don't usually take the full 30 days to investigate. My question is.. If I tried to remove the mark with the CA with a NDA or PFD letter. Do they actually ask the 2 CRAs to remove it? And it magically disappears the next time I pull my CR/score? or Do I have to go back to the CRAs and have them investigate it AGAIN? and WILL I BE ABLE to get them to investigate the matter again? Also does anyone have an example of a NDA. The ones I've looked for are very generic & loaded with legal verbage and wouldn't really apply to my situation. Thanks in advance.