Many subscribers and clients have done a lot of reading at the free credit forums.  And the more they read, the more difficult it is to UNLEARN and to focus on the IMPORTANT data and accounts.

I do NOT use terms like "CA" or "DV" or whatever else is used by wannabe credit experts elsewhere. 

I do NOT recommend that you demand that collectors provide validation within 30 days. 

I do NOT recommend sending obnoxious letters to collectors.

And I do NOT want to continually explain why the wannabe credit experts on the web don't have a clue.   Of course you can send me links to those sites and you can PAY me by the hour to explain to you why you shouldn't follow their advice, but I prefer to focus on improving your credit and scores.

Clients will save a lot of $$$ if they just let me do my work and follow my advice instead of discussing various credit repair techniques.

If you should find a website containing DOCUMENTATION of FICO scoring bugs and open letters to legislators and regulators, I certainly welcome the link.