Currently my wife is at 3/24 but 2 of those are from amex AU - this was done before learning this hobby. How easy is it to remove this from her credit report? I have read DOC and some others say very hard to get AMEX to do, instead have to go to each bureau and dispute saying you are not responsible for this. Does anyone have success with this? About how long did it take? She won't be eligible for any Chase cards until Feb 2020 due to a bankruptcy in 2013 (I have tried to get CC for her but no sucess even thought has discover, citi, amex cards as well as mortgage...)