I've been reading this site for about a week and love it, lots of great information. My tale and a few questions on "procedures": Trying to get a mortage, got a triple pulled and noticed some worng stuff on my credit reports from the big three. I wrote each of the big three (not certified/RR) with a request for my credit report with a copy of my pay stub with name/addedress/SSN and and electric/gas bill with name/address and this is what I received: TU == Cingulur Wireless Open account Profit and loss writeoff Utility Company Updated 08/2001 Balance xxx Individual Account Opened 03/1998 Most owed xxx Closed 12/1999 Past due xxx Status as of 12/1999: Charged off as bad debt CBC National Open account Placed for Collection Updated 04/2003 Balance xxx Individual Account Placed 06/2002 Most owed xxx Bellsouth N Florida Past due xxx Status as of 04/2003: Collection account Anderson Financial Netwo Open account Placed for collection Updated 07/2002 Balance xxx Individual Account Placed 06/2002 Most owed xxx Cingular Status as of 07/2002: Collection account NCO Financial Open account Placed for collection Updated 08/2001 Balance xxx Individual Account Placed 10/2000 Most owed xxx NCO Bellsouth FLA Resintia Past due xxx Status as of 08/2001: Collection account NCO Financial Open account Placed for collection Updated 06/2001 Balance xxx Individual Account Placed 08/2000 Most owed xxx NCO Sprint/ Past due xxx Status as of 06/2001: Collection account Experian ======= Same CBC National as TU Same Anderson Financial as TU Equifraud ======= No response. Inovus ===== Also got one from them with Anderson Financial/AFNI I disputed and requested validation from TU and Experian. TU removed all but the CBC National and Anderson Financial (aka AFNI) and said that they had been validated by the CA. Experian sent back that CBC National and Andesrson Finantial/AFNI validated. I spoke with TU and was told that Cingular asked for the item to be removed because they could not validate the account. I sent a letter to Cingular asking for clarification, sent certified/RR. They got it 9/12 and I got the RR today, 9/15. I've faxed Equifax (9/5 and 9/8) twice since the inital letter and spoken with them (9/5 twice, 2nd time to get their fax number) twice to see if they got my initial letter. I received a letter back from them 9/8 (dated 9/4) stating that the info I provided them was not good enough and provided a list of "acceptable id/proof of address". My initial letter contained this. I sent them a the first fax as a duplicate of the initial letter. The second fax contained the initial letter and fax. I'll be sending out another letter tomorrow 9/16 certified/RR with the revious letter and faxes. I have confirmation from my fax machine that the faxes where sent, the number dialed and the number of pages and the date/time. Tomorrow I will send out the reverification letters to TU and Experian, the dispute/verifiaction to Inovus and a new letter to Equifax. The Cingular account was paid via money order in April 2000.Sprint was taken care of, have proof of letters sent, no response.The Bellsouth I think is the same as the Cingular, since BellSouth Mobility became Cingular. I paid my Bellsouth phone bill, and besides it's on my ex-wifes credit report so she says (it was in her name anyway). Questions: ( 1 ) Cingular was charged off 12/99, which is actually before I closed out the account when I moved. Later paid, but who knows how they applied it. Does this mean that Anderson Financial/AFNI can't be collecting on it anyway? ( 2 ) Since Cngular, the "OC" has removed it for validation reasons (final clarification should arrive soon from Cingular), doesn't Anderson Financial/AFNI have to be informed and remove it? ( 3 ) Should I contact the CAs involved for verification at the same time I am verifying/disputing the debts with the CRAs? I'm planning on taking this to court. It cost me a 180000 mortgage because of the BS reports. Does this count as a "damage"? I'm sure it's also cost me a few credit cards over the years. Any advice on Equifax would be appreciated, as would any other advice in general. I've gotten great ideas so far thanks to the posts here.