@Remington Lyman It's very difficult and within my group of acquaintances who account for numerous attempts (myself included), the success rate is low but there are genuine gross errors that sometimes get corrected. 

It is the best explanation I have seen for very long time.According to the latest article published by Neil B.

This is an excellent explanation... that I will read about 5x more times to comprehend.

A single city can have numerous markets inside of it.

Today, the Committee’s explanation for what went wrong does little to satisfy state auditors.

I countered for substantially less than my offer with explanations. 

I'll assume you need no explanation on how to calculate either metric.  

We've spoken to numerous people and supervisors and the best thing they can do for us up until this point is send a P.O. box for us to send a letter requesting the proof the account does not exist anymore. 

It would have been nice to get an explanation.

I’ve had to submit a letter of explanation to underwriting each time to disclose why the pulls were taken and affirm that no new debt was incurred because of them.