Just wanted to let newb's like myself know.. after you start disputing, you will receive an "adjusted" credit report each time. At least i did. Its almost at the point now that there is no need to purchase PG or other similar consumer products. each time i disputed i received a letter saying we reinvestigated and here are our results...followed with a new report. even if nothing changed the reports all have dates on them so the paper trail is in tact. just thought id let you know. the whole point of our journey and this board is to save money and avoid credit problems. its your right to dispute and by doing that youll get more credit reports than you can imagine. id qualify this with the fact that if you get denied credit your entitled to a freebie. if your unemployed and seeking employment your entitled to a freebie and some other reasons i forget.... point made bugman!