I had some sucess in my first round of disputes/validations. I am forever indebted to the people on this board. Before 1st round of disputes: a = collection accout for $111 b = collection account for $192 c = collection account for $342 d = oc charge off for $2632 +------+--------+---------+ |--Exp-|---TU---|--Equi---| +------+--------+---------+ |--a----|---a----|----a----| |--b----|--------|----------| |-------|---- c --|-- c -----| |--d----|---d----|----d----| +------+--------+---------+ Since this was my first time I thought I would pursue a,b, and c. In two months I am going after d but this one is going to be a challenge because of the significantly larger balance and they are not collecting. Anyways, the 30 day CRA verification periond expires this week and I thougth I would take a peek. As of today my reports look like this +------+--------+---------+ |-Exp--|--TU----|--Equi---| +------+--------+---------+ |--c*-- |----c*--|--c*-----| |--d----|----d---|---d-----| +------+--------+---------+ *Collector C has marked them all as in dispute but also has reported to exp in dispute which they did not do before. Like I said, the CRAs has a few more days. Hopefully it will come off. I have not received any validation info from anyone. 30 day validation for c is up. Estoppel letter goes out to C tomorrow. My experian credit score has jumped 29 points from 610 to 639. It is still shitty but once the OC chargeoff comes off in a few months, it should jump. But I don't even care if it doesn't jump. Having a clean report is worth a lot more to me than a score. I would like to thank every one who took the time to respond to my posts. The advice you guys give is amazing. You could be easily be charging $$ for it. --Delgato