debt 80% rule = an average across all trade lines? or 80% rule on "each" individual trade line

Your credit website info is fantastic! Thank you for posting this info. I'm 40...
and never knew about the 80% rule.
Do you know if the major component of the 80% rule is:

1. an average across all trade lines? or
2. 80% rule on "each" individual trade line?

It's probably both...but is the larger component an "avg across all trade lines"?
Thank you.
REAL PERSON
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The rule is for each trade line...
Not the average of all trade lines.
thanks for the compliment.
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disputed and disputed charges on my credit report and it still there

Quoting REAL PERSON
Hi Bo, I have disputed and disputed charges on my credit report and it still is there. I am fully aware that they are supposed to remove it in 30 days. However that has not ever happened what am I doing wrong?

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From: Bobo Majors [mailto:majors@oskie.com]
Sent: Tuesday, May 09, 2006 1:30 PM
To: REAL PERSON

The question I would ask IS: Are they accurate? If so just disputing will not remove credit files they must be in error or maybe mistaken or old. What is the situation?
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They are not mine and were done in states that I have never lived or been to
in my life.
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Well I would:
1. Make sure my disputes were mailed confirmation delivery.
2. Make sure I included detailed personal information. ie. copy of ss card,
drivers license, phone bill, insurance card.
3. Keep copies and send the copies to the BBB
4. Keep copies and send them to the FTC
5. If they are being removed then placed back on later. Which I suspect. I
would place and credit fraud warning on my account regarding thos accounts and
any new credit inqiries.
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All 3 bureaus are reporting that my client is deceased

Quoting REAL PERSON

HELP, I'm not dead. . .All 3 bureaus are reporting that my client is deceased. What is fastest and easiest way to clear this up?
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Send in a letter explaining your situtation in detail.
include a copy of:
social security card
birth certificate
drivers license
any type of other document including:
recent tax form
marriage license
insurance card

send it to all 3 bureaus by cerified priority mail
do not try to call them

here are the addresses
waste of time

Trans Union
P.O. Box 1000
Chester, PA 19022
1-800-888-4213

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-997-2493

Experian
P.O. Box 2104
Allen, TX 75013-2104
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Totally free CREDIT REPORTS and Scores for 30 days! Just 9.95 after