I cannot stress how important it is to keep all letters, telephone communications, and attempted communications documented. In my case, it was invaluable that I kept each and every credit report, which showed more and more violations. The CRA's purge information on a regular basis. The report you get one day can be different 2 days later. The CRA's do not keep copies of your daily reports. The only "proof" you have is literally in your hands.

An interesting thing for me was in June, this CA told me how they will spare no expense in defending their company against frivolous and unwarranted claims.

LITERALLY 2 HOURS after receiving the Federal Complaint of (38 pages), they called my attorney wanting to settle.

It's amazing to see reactions when everything is put in black and white.

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