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Hi everyone. I'm a total newbie to posting on forums so forgive me if i inadvertantly follow any unfamiliar or unaccepted code of conduct. I don't think it will happen as politeness and common sense usually prevail over ignorance. Please feel free to correct me (gently) and point out any faux pas on my part. I'm looking forward to getting some good advice on dealing with professional credit agencies and there various methods, and sorting out the wheat from the chaff so to speak as to what I am obliged to do and what I am not. Thanks in advance for any help you may offer in any threads I post. Skinz72
