It came as a nightmare to me, but what was there was there. I got my credit reports today and there were things on it that I don't even recognize!! Guess I will have to just wait and see what happens. I already filed a dispute with the three agencies and I am waiting for a response. I am never able to reach them on phone and the emails take forever to get responded. They don't accept stuff through fax which makes it even more difficult. I really think these things should be made easier for the citizens. Afterall we are normal guys and these things seem extraordinary.