bad 2have CRA think u used CRO??

I have been working on the accuracy of my credit reports with all three CRA's over the last 12-14 months. I have used the online investigations for both Experian and Trans Union, and I have requested investigations by phone from Equifax. When TU and Experain "verified" some information that was obviously incorrect, I wrote them a letter and asked that they check again. The incorrect information (especially lots of incorrect entries in TU)was related to having items shown with a balance of xxx or shown as a chap 7 or 11 rather than a chap 13 or having an account shown as written off instead of as included in the Ch13. All 3 did eventlually correct these entries.

One of the CRA's, I believe it was Tran Union, sent back a letter saying that they were reinvestigating, but they also sent me a separate couple of letters telling me basically 1) it was not in my best interest to use a credit repair organization, that it was a rip off and that my scores would not change and 2) asking me to fill out a sheet telling them which one I had used, how much they charged, and basically saying that I had been ripped off by xxx agency.


I did not fill out the form, since of course I had not used anything but my computer, letters written in WORD, and my own CR's ((( repeated pulling of my reports through the paid monitoring programs of Equifax and Experian...TU I had to pay for the four reports that I have pulled over the last year. )))

Nor did I respond to them. And everything that I asked them to reinvestigate, they finally have, and have corrected based on the additional letter and documentation that I provided to them.

Bottom line, does it mean anything in the world of scoring if they think you're not doing this legwork yourself? they have never labelled my request s as frivolous, or done anything other than including all that junk that one time...

Texas Ms.