ChexSystems has been a thorn in my side for a while – I recently sent them a letter disputing information that had on my account, and they originally deleted it, but then a week later put it back in saying that a debt was validated – thing is they “verified” the debt through a membership [...]

My credit report is a Mess with a capital M – the True Credit printer friendly version is about 26 pages long.  The first thing I did was go through an highlight anything that was under $50 which I can just pay and get rid of – my plan was to call them and negotiate [...]