There is a good site: www.naca.net. I'm trying to get an appointment with supposedly one of the top 3 in Austin. He was in court every time I called and the attorney that referred me to him said to talk to him personally before I make an appointment. So, I'll try again tomorrow. I want to nail TU on inquiries and not notating an item in dispute, class action style!! I have a list going of questions from this thread and emails sent to me. It looks like it's going to be a long meeting. Charlie