I remember stumbling across a thread about how you should/shouldn’t dispute things with the CRAs – assuming that disputing is what I want to do, could someone weigh in on the method?  I can’t seem to find the thread I’m thinking of, but it was about how if you mail a hard copy they have 30 days vs 45 days if you fax or do it online….or was it the other way around….in any case, I’d love to hear the pros/cons of each method!