Well as of 4:58 p.m., My wife is now the PROUD owner of a 2003 Kia Spectra. I asked what CRA was used, and the finance manager said TU. Since TU is my best I said O.K....still nervous though. Over the past 7 months I have gone from 19 negs down to 6, 1 P/O and 2 disputed. I asked the sales manager if I could see the report they pulled...he said NO (why is it they can't show you what THEY pulled?) I asked if he could tell me my score. He said 624. I don't know if this is my TU score, or FICO. Either way I was approved. They paid off my Jeep without trading it in, and used my wifes 90 Grand Prix as a $500 trade in (it died for the 3rd time pulling into the lot...hehe) I'm so excited to drop my payment $80 and to have a new car at a better APR than what I was before!! My wife was nagging me constantly about this whole credit repair OBSESSION I have, now as of today, she has realized why I have been doing it.