So I applied to get an apartment in a very nice neighborhood. The apartments are owned by a realty company who's policy is to run a creit check thru Equifax. They pulled my report and I got approved! Maybe I'm a little to happy, but this is my first credit victory in a very long time. I owe it to the people to write to this board. Thanks alot. P.S. - Psychdoc, I sent the nutcase letter out to the loan company. I haven't heard anything yet, but I expect I will soon. I'll let you know what happens. -me TU-609 EQ-601 EXP-???