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Curb
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Well here goes... I am so greatful to have found this site. I have learned a bunch thus far. I will begin my repair tomorrow after some sleep.

I have already read through the forums during the past few days. I have been to the local Office Max and purchased my repair tool chest (binders, envelopes, hi-liters, etc....). I stocked up from my local U.S. Post Office. I have just purchased both reports offered at myfico.com and am depressed, excited, angered, and confused all at the same time.

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So I sent out 3 dispute letters, one to each bureau. I initially am disputing 5 or so item's on each report. The most intesting things I found is that under my employment, they have my wife's employer listed as on of my previous employers. I am pretty sure it shouldn't affect me, but I am still curious none the less. It shows 16 plus years credit history and I have been with my current employer all along. Does anyone know why a bureau would have an incorrect employer history? I have never used her employer on anything I have ever applied for.

Also, I had some trouble on a car payment a while back (since paid off) and I was the only one on the application. My wife was not a co-signer, yet the negative entry shows on her reports too.

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