First let me say....Welcome Aboard. Second....Please spend at minimum 8 hours of reading the posts, expert advice and FCRA documentation. In your research you will probably notice that 7 out of 10 questions are asked repeatedly. Questions like "How do I validate?" "Is this illegal?" "What should i do first?" etc. You will also immediately notice that there are some very smart and very helpful people that are greatly respected and appreciated for their time and expertise. Please respect their time by doing your research first and then challenging them with the difficult issues. When you can find the owner of this quote....you will be on your way. "What you'll learn here will affect the rest of your financial life."
