I am so sad right now. I need to vent and them take a break for a while.

[BumRushDaShow]

72. Giving you a big hug.

It's hard and especially now during a period when some of the most vocal miscreants in society are lashing out with such vitriol and downright meanness. They always say it is the darkest before the dawn and hopefully you and your family will get through this and will be stronger for it. And here's hoping too that the disinterested compassionate folks out there start to rise up and say enough is enough.

Edit to add this - http://money.cnn.com/2012/07/16/pf/CFPB-credit-reporting/index.htm

The CFPB is about to have a rule go into effect on Sept. 30 that will mean supervision of the largest credit reporting companies.

"Supervising this market will help ensure that it works properly for consumers, lenders, and the wider economy," CFPB director Richard Cordray said in a statement. "There is much at stake in making sure it is both fair and effective."

Cordray said that credit reporting agencies play a key role by helping financial institutions and other companies assess risk and prevent losses, but that some consumers may be unfairly blocked from credit they deserve. The consumer bureau has received complaints from many consumers who say their credit reports are inaccurate and that they are having trouble correcting them, he said.

The rule will apply to the three biggest credit bureaus -- TransUnion, Experian and Equifax (EFX). The three issue more than 3 billion reports a year and each hold records on more than 200 million people.

<snip>

The CFPB is starting out with three main areas of focus: whether data given to reporting agencies by lenders and others is correct; whether the data is being processed accurately; and whether the dispute resolution process is effective.