Marie, I actually consider myself pretty versed in the way all of this works. My post count is not high, but I have been implementing the techniques I learned on creditnet for almost a year now (and doing previous credit repair for the last 6 years, with mixed results). I have used validation, verification, CRA disputes, Statute of Limitations defenses and numerous other techniques to clean my credit to a state of 98% clean at this point. I just have a couple more derogs to go. I have also been sued twice by creditors (awoke some sleeping giants ) and I am presently suing Arrow Financial Services for FCRA and FDCPA violations. I highly value the expertise of the veterans around here and the knowledge I have gained has been invaluable. I just wanted to check out Bill Bauer to see if he had any approaches that varied from those used here and see how credible he is.
