I was just thinking, o no! and I was wondering if this action would work to help remove my ATnT universal account off Equifax and Experian....which is now paid off, in full....but has some past lates. It is currently being reported as: Status: Closed/current, was past due 120 days Account history: 120 days as of 4-00, 2-00...90 days as of 6-00, 5-00, 1-00, 4-99...60 days as of 12-99, 3-99....30 days as of 11-99, 2-99, 1-99. This account is scheduled to continue on record until 1-06. Here is my plan: call Atnt universal. Get some stupid rep to alter my personal information, like change my last name and address. Possibly, change my ss#. Then, dispute the account with experian and equifax. ANd, when they go to verify, the personal information will not match up, and it will be found, "not mine" what do you think, will it work?