Two words: Manual Freeze!! thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you thank you
In my case: Items are now being reported correctly (I hope .. I still have to double check.) And if a bad tape comes in, the information will not automatically update. A supervisor that is familar with the case will manually review the information before it can hit my report (and thence FICO). Honesty and accuracy is all I've been asking for with these folks .. Specifics: one Credit Union is presenting my accounts with current ballances, delinquicies, redated as much as possible, account type= charge off with recient charge off date. Truth = it was all done in 6/98 .. five years ago. (filed ch13 6/29/98)
OH !! and BTW, George .. This just might put me in the 700 club!! Started in late may with a TU FIOC score of 524 <VBG>