It has always seemed ironic that it is as easy to have a real delinquency removed from a consumer credit report as it is to have a mistaken delinquency removed. I am just a consumer who went through hell to get errors removed from my credit report. I am not a lawyer, nor do I represent myself as able to represent anyone. I have some info from my experiences, which I'd be willing to share with real credit report victims. I do this for free. My e mail is: pfmcgarry@yahoo.com. I make no promises, and expressly disclaim all warranties.