I simply love the fact that this forum exists, and that so many helpful replies are proffered -- I've already started to read, read, read as so many vets suggest. Here are some things that I've not yet come across in that reading: 1. Is there a limit on how many times the 3 credit bureaus can update one's report in a year, month, etc? I ask this because if there is, I'll have to be mighty selective about which issues to tackle first. 2. Is there a generally-agreed upon order of tactics when trying to get a report updated? That is, is it better to first verify, then dispute? I sense conflicting opinions in some of the reading I've done. 3. Is there a risk to "verifying?" In other words, if the first step is to simply verify, can a creditor actually put MORE negative information into a CB's file that maybe they missed the first time around? Does this ever happen? 4. If I find discrepancies between the 3 bureaus for a given creditor, can I use this to my advantage? That is, can I play the reports off against each other in some way? Example: for one of my accounts, 2 of the 3 CB's have a derogatory stretch of lates, but the third agency has "no data." How would one use this, if at all? 5. What's the best way to continuously monitor my reports at the three agencies. I know about the freebie every 12 months. My question is about paid services. For instance, Triple Alert from Experian sounds ok, but it promises to "let me look after" my credit reports. What I want is the ability to constantly log in and check them myself as I dispute stuff and/or try to get trade lines removed. "Looking after," sounds a little fishy -- like they'll do the looking after, but I can't look myself. So is there a cheap or free way to get constant access to all three? What do you folks use? Thanks again for this wonderful forum. I'll keep reading!