2004 Credit Suit

CIC 96% and 98% B/L ratio, and no soft inquiries

The FRB-R & McAfee exhibits, including the CIC trimerged report, my B/L calculations and the letter to Experian/CIC.

My B/L ratio according to the CIC tri-merged reported numbers should be 38%, is 42%, 43% and 65%.

The kicker: CIC reports 96% and 98% B/L ratios!

I posted my entire annotated CIC report, even got their snake oil scores since I can't get the FICO scores for Equifax and TU.

The letter to Courtney Vaudreuil, the Experian/CIC attorney with Jones Day, is Exhibit AN-2.

Can't wait for the Experian/CIC reply!