I found this tidbit in a Washington Post article about credit scoring and the mortgage industry: "Bill Emerson, chief executive of Quicken Loans Inc., said his firm employs three credit rescoring experts who routinely help track down credit file errors and submit corrected information to the big national credit reporting companies -- Equifax, Experian and TransUnion. Emerson said it is not unusual for applicants to get their artificially depressed scores boosted by five to 80 points with the help of the firm's rescoring staff." Perhaps we can all find lucrative new employment as credit rescoring "experts." I don't know if they charge for this service. The full article can be found here: http://www.washingtonpost.com/wp-dyn/articles/A55319-2002Apr26.html