It's amazing how inconsistent and wrong these CRs are! I just finished plugging in all of my lates into an Excel spreadsheet. Here's what I found... I opened a MC account with FCNB in October 1999. TU is saying that I have three 60 day lates starting in guess which month and year? Yup, October 1999! How silly is that??? I disputed online earlier this week as not being late, but that's what I get for disputing before looking over my CRs with a fine-tooth comb. Guess I'll have to wait to try again, only this time, I'll be armed, heh heh. Now if only I could find more inconsistencies like this, I'd be a happy camper...