Following the advice of the postings here (especially the Hall of Famers - you know who you are), I have disputed and validated my way to an 803 on the Equifax in seven months! I immediately applied for a GM Card online and got approved in seconds. Incredible feeling, I have to tell you. I still have a few more battles with the 2 remaining CRAs and maybe some CAs (possibly in court), but I'm hoping to have it all cleaned up shortly after the new year. No hardcore advice to give. Just wanted to encourage everyone out there to keep reading this board and stay at it. It works!