help to bigging Dispute

[gottlib1]

I read this guide Basic Step by Step Beginner's Guide to Credit Repair
after i did number 1 2 3 4 5
i need to do number 6. Dispute with CRAs/1 2 punch if applicable
this is my case
please tell me what I need to first ,my English not so good .


CBE GROUP

Address:
WATERLOO, IA 50702
No phone number available
Account Number:

Original Creditor:
BLACK HILLS CORP


Address Identification Number:
Status: Paid,Closed.
Date Opened:
10/2008
Reported Since:
12/2008
Date of Status:
05/2009
Last Reported:
05/2009

Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit/Original Amount:
$116
High Balance:
Account History:
Collection as of Dec 2008

DISCOVER FIN SVCS LLC

Address:
PO BOX 15316
WILMINGTON, DE 19850
(800) 347-2683
Account Number:
Address Identification Number:
Status: Open.
Status Details: As of Sep 2012, this account is scheduled to go to a positive status.
This item was verified on Apr 2009 and remained unchanged.

Date Opened:
12/1993
Reported Since:
12/1999
Date of Status:
01/2006
Last Reported:
06/2009

Type:
Revolving
Terms:
NA
Monthly Payment:
$80
Responsibility:
Joint with my frined and discover told me t step to be joint you need to cancel account

Credit Limit/Original Amount:
$10,500
High Balance:
$12,277
Recent Balance:
$4,010 as of 06/2009
Recent Payment:
$0

Account History:
30 days past due as of Dec 2005, Oct 2004

Between Jun 2007 and May 2009, your credit limit/high balance was $10,500


H & R ACCOUNTS INC

Address:
MOLINE, IL 61265
No phone number available
Account Number:
Original Creditor:
INTERSTATE POWER/ALLIANT ENERG


Address Identification Number:
Status: Collection account. $289 past due as of Jan 2009.
Status Details: This account is scheduled to continue on record until Apr 2015.
Date Opened:
12/2008
Reported Since:
01/2009
Date of Status:
01/2009
Last Reported:
01/2009
Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit/Original Amount:
$283
High Balance:
NA
Recent Balance:
$289 as of 01/2009
Recent Payment:
$0

Account History:
Collection as of Jan 2009

this 3 is in all CBR
and i have more 1 only in TransUnion
but not belongs me is medical collation of my wife and she didn't have SSN
so please help step by step what i need to do first ?

it took me to wrote this letter 2 hours