I have lvnv funding reporting on my EQ as an open account more than 120 days late, but on TU it is a CA. DOLA is Jan 03 on EQ, DOLA on TU is Nov 02. I have disputed these before and they were supposedly verified. What can I do now to get rid of them? Will a DV help?Now, on EX I have a cap one acct CO that is not mine and a few years ago I disputed this one on line thru annual credit report.com and they said it was verified. It is showing CO but amount of balance is still increasing every month. It has been reported since 03/2003 I don't know if that is DOLA or not. How do I get rid of this one? This is the only CR it is on.We are trying to raise our scores for a house purchase in 1 year. All 4 credit cards are maxed and I know I need to bring these down to below 9% before then, but, how much will our scores raise when we bring these down from 100% to below 9%? They are less than 4000.00 total limits.Just wondering if we will be able to improve it enough to get the loan by then if I can get cards down, and certain CO gone.