I finally got the biggest thing on my credit report taken off. I might be able to get a loan now to pay off the rest. There was $75,000 dollars on my credit report that was not mine for 8 years. It was debt of some one else in my family and i wrote to all the credit bureaus and email them then called them and then finally what it got it done was 1 phone call and 2 letters to my local congressman.