My score is 630, so not too bad considering I haven't started disputing/arguing. Tried Doc's trick (I have 2 inquiries) and couldn't get in. 404 error message. There's a Macy's charge on my report for $47 that they say I've owed for years? It's erroneous. Do I just tell Experian to do an inquiry so they'll take it off? Do I contact Macy's? Also, sent a request for validation a month ago for a $6000 cc debt and it looks lke they didn't alert Experian (of course). Will look up lizardking's estoppel letter and send I guess.
Do both, send OC validation to Macy's CRRR and when you get the green card, send a dispute to Experian. Don't know the LK version of the estopple but the CreditNet version works well. Good Luck. -Peace, Dave
