Ok, TU has me all messed up...again!! Anyway, at the end of the report, it says "After your receipt of this notice, and if you have followed all of the dispute procedures outlined in section 20.06 of the Texas Credit Title, you may be entitled to request binding arbitration of your dispute as prescribed by section 20.08 of the Texas Credit Title." So....anyone know what this gets me?? I know I could go look it up but you all are so smart and I'm so tired! LOL