junum , sorry free to sign up , no monthly $5, disputes $15 deletions ?? any one use them , I really dont have alot to deleate I think any way my prob is recent late pays that will look better over time but i would like to see my reports thanks Julie
Jules, If you do not have a lot to delete you should have no problem finding the time to do this yourself (although the 5 kids thing probably takes a good bit of time each day). It can be done with very little work, it just really entails keeping track of letters and dates. If I were you I would order my reports (see the FAQ) and when you get your reports post a message here and someone will help you with methods and what to say/not to say. I used Junum and was fairly happy...but knowing what I know now, I would not have signed up and I recommend you take a look at doing this yourself if you can. Welcome aboard...good luck. -Peace, Dave
