You know, it's funny that you posted this because just yesterday I decided that I am no longer scared of "my" credit report.& With that realization, I have decided to pull "my" credit and start dealing with the negative remarks.& It might seem a bit odd that I was so scared of what it will say since I am willing to do things like go into a court room with all of the theives there surrounding me.& I guess that the brainwashing that we have all received can be harder to get over at some times than others, and in my case, until I had my preemie baby, my credit score was a source of pride for me as it was better than perfect.


I think that a letter like this could save&me a step.& What I mean is that this kind of looks like a first letter and a second letter rolled into one.& If I was working at the CRA I would definetey give this to my surpervisor.


I usually send out a first letter that has a little less information and see what there initial reaction is before I send anything further.& However, this looks like a good letter to start with.


Thanks for your time and willingness to share it.


Sara-Jane