Good work Tora.& The fact that the CRA never talks to the original creditor was all I ever needed to hear.&


This looks like another good link for credit repair issues: www.carreonandassociates.com.


Also, while doing a little research in preparation for my own letter to the CRA's, I found this to add a little more punch:
&16 C.F.R. Pt. 600, App.

& CODE OF FEDERAL REGULATIONS
& TITLE 16--COMMERCIAL PRACTICES
& CHAPTER I--FEDERAL TRADE COMMISSION
&SUBCHAPTER F--STATEMENTS OF GENERAL POLICY OR INTERPRETATIONS UNDER THE FAIR
CREDIT REPORTING ACT
PART 600--STATEMENTS OF GENERAL POLICY OR INTERPRETATIONS
Current through May 13, 2004; 69 FR 26510


Appendix--Commentary on the Fair Credit Reporting Act



Introduction

&1. Official status.& This Commentary contains interpretations of the Federal
Trade Commission (Commission) of the Fair Credit Reporting Act (FCRA).& It is
a guideline intended to clarify how the Commission will construe the FCRA in&
light of Congressional intent as reflected in the statute and its legislative
history.& The Commentary does not have the force or effect of regulations or&
statutory provisions, and its contents may be revised and updated as the&
Commission considers necessary or appropriate.


I found this commentary to be rather helpful and informative and suggest others to look it up as well.


-squirrels