There are too many people to say thanks so I'm saying a BIG thank you to everyone on this forum.
We all make mistakes in life; hopefully we all learn from them. The advice I've received here on various matters has helped me with a lot of different things; the biggest of all, of course is how to achieve higher credit scores; and how to fight back BETTER.
I have a hearing immediately following the 4th; and my guess is the outcome won't be good because I hadn't heard back from an attorney yet as to whether or not he'd help me go after a JDB who has used (3) CAs on the baddie list from Bud Hibbs site. I was of the understanding they were violating my rights in many areas.
Regardless of the outcome, I am thankful this is the last item that could ever haunt me as I've paid my bills on time ever since that screw up long ago; and am thankful that there are others out there who deal with the same stuff.
Thanks MAN! I believe sorry if I assumed! I'll keep everyone posted on what happens; and if I hear back from the lawyer, he's a top dog here in MN. I just keep my fingers crossed in the hopes that I actually did do something right; however, I know I fought the good fight!