I have been disputing mostly small stuff for the last 7 months. Each time I have success, something else pops up.. The most recent are 10 loans TU listed on my report that were not mine. These were current loans, no lates, for someone with the same name but in a different state. I got back their response today - all 10 loans deleted. The balances on my own stuff are high so I did not need my report to show 10 additional loans. As of today, there are no negatives on my TU report and only one inquiry within the last 9 months. The only thing left is to get my balances down to a reasonable level and I am working on that. Persistence pays off. The next project is finishing up the cleanup on the other two reports. Thanks for your help.