Nope! The clarification I received yesterday via email is thus: "On xxx xx, 2001, your tri-merge report arrived and disputes were sent out on the same day. Because of the wide variations in tri-merge reports, [MIND YOU, THIS IS THE TRI-MERGE JUNUM HAWKS FROM THEIR OWN SITE, SO WHY ARE THEY UNFAMILIAR WITH SCANNING IT???] Junum's scanning software cannot depict the specifics of the report. Because of this, the next round of disputes were not mailed until your credit reports arrived on July xx, 2001. Your second round of disputes was on July XX, 2001 [TWO MONTHS LATER!] and your third round is pending on XXX XX, 2001. At this point, all your negative will be in dispute and once your updates are received, your account will be updates so that more dispute can begin." Mind you, nowhere in the agreement, sign-up forms, etc. on Junum's site did it explain this. Had I known, I'd have taken the extra couple of days or so to get the individual mailed CRA reports to send to Junum (it would also have been cheaper than the tri-merge I had FedExed to me. then FedExed it on to Junum so Junum could get start right away. Total cost $65.) This means if you use a tri-merge report as your initial starting point with Junum (I used the one they hawked ont heir website, which I'm sure they get some sort of renumeration for the referral), you automatically put your repair processing behind by 45 to 60 days. If I'd known and had mailed them individual reports, I'd be on my FIFTH round right now, instead of my 1st. Right now, I'm very displeased with Junum for that oversight that cost me valuable time and money. MORAL: Don't send them tri-merge reports, even though they refer them from their own site.