ANYWAY--I opened a letter from JC Penney's addressed to my husband (we have a joint account) It stated that they were immmediately removing ALL lates from our account and that they were very sorry and they hoped it did not cause any...yada yada. WOW! What caused this? Husband just retained Junum at the beginning of April and I disputed a couple lates from them on my own report via Equifax only in the same month. they specifically state all three CRA will be fixed! Hopefully, that removal also counts on my report too..since it's the same account. Ya think? I think this is great, I just don't understand! They were reporting three total lates: 4/94, 12/94, 5/98 (30,60,30) Opinions? Inspiration?