How was I so lucky? 1: I am suing them for refusal to remove trade lines that even the creditors say in writing should be removed. 2: I am also suing them for fraud and FCRA violaion of the Investigation rules. I have documentary proof that their "investigation" consists of merely slapping "verified" on the account and not even notifying the supplier of the trade line of the dispute. 3: I will now be suing them again for the unused portion of my pre-paid membership which they unilaterally cancelled. The moral of the story is.... if you sue them they throw you out. Now I can't get my EFX FICO (or even see if there are anyother inaccuracies in the file. I wonder if CREDITORS can access my EFX file. Any ideas?