Hi Folks! There is a place to get help with many various credit-related situations. Most of it is not free but they do have a letter you can send to CA's that works very well in some cases. No,this is not an ad,I am not a paid member,I was refered there,used the letter and had some good results with it so I am passing it along. The site is www.dueprocess.org I hope this helps someone! Thanks! FL