Per PsychDoc's/and many others advice, I have read and read and read for three weeks .... and am ready to start cleaning up my reports. I've formulated a plan, for what it's worth given my limited knowledge/experience, but would like a pro to look it over for obvious missteps. Credit Info Center offers reasonably priced consults ... has anyone used this service? Thanks Yellohouse - this is my first post EX:580 EQ:557 TU:535