Lexington disputed three items with Experian. A department store account which is closed and paid, but had two latenesses. -Discover with 6 lates -PECO Energy (I ordered my credit report and noticed that they said the account was closed at credit grantor's request. But I closed it on my own becuase I was moving out of the apartment.) No lates. The Store account was updated to reflect the balance being paid like two years ago. -Discover was removed. -PECO remains. This report was dated for 5/27/01. Then I received a letter from experian dated 5/30/01 saying the information that was updated or deleted has been verified and reinserted, so I am not sure whether that applies to the Discover or the store account. ------ Next: Transunion 5/21/01 Disputed: GTE Visa Account (5 lates) Collection Account Discover Financial For the GTE Visa and Discover it says new information below, but its the same information so I guess it was just verified. The Collection account was deleted. ------ Next: Equifax Disputed: Collection Account (mentioned above) Discover Store account (mentioned above) Collection and Discover both deleted and store account was verified. So I dont know whether to be happy or sad. I guess its ok for Round 1. JUst worried they will reinsert more stuff now. How does the whole reinsertion process work anyway? Like after they verify or do whatever and then close the investigation, how is it possible just go back and say "ok, remember that account we talked about a few days ago, well we gave you the wrong answer." Hopefully the next round puts me farther ahead. Does anyone know where online you can request the most recent copies of your credit report? Some of the ones I have are showing as of 3/01...looking for really fresh reports! Thanks!