HouseHunter wrote:If the account is listed on all 3 reports, you have to do 3 different disputes. I had your problem with one CB who said that CSC is reponsible. I'm not even going to bother with them though because the only thing wrong with that report is that my current loan isn't being reported - the creditor merely reported the loan when it was granted, almost a year ago, and haven't reported payment history since. I'm dealing directly with the creditor over that issue and asking that they report to all three every month. Not reporting is brutally killing that credit score for me.As for your question about the 30 days, I don't know.