Hello all, I discovered this group today, thanks to a search for the famous "nutcase letter". It looks like this group is well-weathered and Credit repair wise, so I will be posting some questions soon. Right now I'm busy scanning the archives. A little background: I finished a chp 7 in Sept., thanks to an ex who was credit happy and always seemed to neglect to keep up with the payments, lose of job and divorce. Anyway, all are discharged and now I'm rebuilding. Maybe I would have rethought the 7 if I knew then what I'm finding out now. To date, with TU and EX I have gone from about 11 derogitories and 4 good accounts to about 5 derogs and 9 in good standing. I've gone from a FICO of 589 on 10/02, to 591 11/04, to 618 12/16. My FAKO went from 475 to 626 (if that's worth anything). You guys can tell me if that is good or not. I'm currently in a battle with Equifax because they have not answered any disputes in the last 90 days. I sent them a letter demanding they remove all the disputed based on FCRA. I guess I'll get an answer in a few weeks. Looking forward to learning and picking through the knowledge base. Happy Holidays! Jeff