That was deleted from my husband's report but is still on my report? If I dispute it and they validate it will they reinsert into his report too? I mean it is the same acct number. Does the creditor just sent info about a certain acct number to a certain file when responding to disputes and totally ignore the joint holder's file? This item was deleted almost a year ago from my husband's report and my report was never updated to show this deletion. So..do they simply respond to disputes on a particular file without looking to see what the joint holders report is saying? Or do they normally just update all acct info for both holders? Hope I did confuse you. Thanks in advance for any help!