Hey, I didn't use a credit repair firm. I just disputed myself. I didn't do anything special, I just disputed all of my negatives one at a time to each cra. They were all pretty close to coming off so I think they just deleted them rather than verify.
...but if everyone posts their experiences, we collectively start to piece together trends and start to determine what "good behavior" is vs. "bad behavior." At least Pavlov's dogs had bells to tell them that much - we're left with not much else than each other to try to figure this out. Makes me think of those mazes they make in the cornfields of Iowa. No wonder so many people are confused about credit and so many banks make their highest profits off of credit cards!!!
