Ever heard of FRAUD? Well, it's all over the credit reporting industry. I have all my copies of my reports. I know them by heart. I have had student loan entries "somewhat" corrected in their "history" but never really correct. 1 report shows an incorrect 90+ 1 report shows a 90+ and 120+ 1 report shows 2/90+ all for the same paid on time student loans. they weren't even in repayment that whole year. Error anyone. These same student loans are duplicated more on the creditors's copy (I'm told). I'm not allowed to see. AND, I have the infamous paid off student loans showing current statud "I5". I5. for a closed paid loan. And it's duplicated 4 times on the creditor's copy. WHY DON'T I SEE THESE ERRORS ON MY COPY???? WHY DOES MY COPY SAY I1 SO I THINK ALL IS WELL??? WHY WHEN MY LOANS STATUS' GO BETTER ON MY REPORT DOES MY MORTGAGE BROKER STILL SEE 120+??? FRAUD is my only answer. Why is my copy supposedly different DRASTICALLY from my mortgage broker's copy? Fraud. I even have a good credit account (the "history" was "corrected" to reflect perfect several years ago.) Guess what? It's supposedly in a "derogatory accounts" section not the good credit section on the mortgage broker's copy. MY copy shows good. THEIR copy shows derog (with no reason, by the way). I'm ready to go to my county detective and file fraud charges. This is truly criminal. How can I correct an issue I don't know exists? Why is it I can't see my mortgage broker's copy? Why can he only tell me the issues I have??? No wonder my scores are so artificially low. This is a racket. and I mean RICO not FICO. If anyone has any suggestions, please let me know. I have been told by my broker he's willing to testify in court (and bring his copy) he just can't show me now or he'd lose his ability to get reports. RACKET. I need advice. I'm NOT giving them much more time. I have to get one more set of letters out and then I'm definitely filing against all 3. I am just freaked out that our copies don't necessarily match the lender's copies. I honestly think this is criminal. I just wonder if I could prosecute anyone for it. CEO??? Help??? suggestions???