I completely understand that and for this reason I have joined myFico. I'm hoping that with the answers I get from community members such as yourself. I can make sound decisions, when trying to clean up records like the MACY's one, I posted previously, which no one has commented on :-( yet.
I just got an alert today from one of my credit card provider's that my TU TransRisk score has improved. I think mainly, because I paid off the balance on two of my CC's recently.
Realistically I'm not looking to purchase a home today or tomorrow, but I have noticed prices have come down alot. With a little luck and good advice from all you members out there maybe, I will be able to make a purchase by next spring-08 and still get a great price without have to go sub-prime.
I've already sent out two verification/correction request letters to TU & EX. Going to the same for EQ next, because their online dispute would not allow me to dispute certain item, therefore, I'm going to send them a letter by mail as well.
Tonight, I am putting together a handful of PFD's and GW letters and getting them out as well. However, certain records I'm not sure what to do and will continue posting, in hope of the communities advice.
Thank you.
Sorry for the lengthy thread.