I started reading this board in mid July. Bill's attitude about dealing with the original creditor made so much sense to me. Everyone knows that the CRA's are not consumer driven and they really could care less if what is on a credit report is accurate or not. I e-mailed Bill in mid August and told him my story, all I wanted was to get rid of the accounts that were still being reported as being included in BK. He promptly composed the letters to the creditors, 5 of them, I mailed them out and kept in contact with Bill and kept track of what was sent and when it arrived. Well it worked, those accounts were unable to be verified, or the creditor simply ignored my demands for validation. All 5 of these are about to be removed. I'm by no means are as 'credit savvy' as all of you are. I don't know the laws about consumer finance and credit, and at this point in my life, I don't want to, which is why I would rather pay someone else to do it. Bill answered all of my 'stupid' e-mail questions promptly and with great clarity. I know that if I called him on the phone, he would be happy to talk to me and once again answer any question that I may have.(I have n't done that yet, I don't want to push my luck!) he is quite confident that the BK will be removed also, way before 10 years is up, for me that would be 2006!! On top of all that, he's a nice man.