i was late on some payments between 2 and 3 years ago . They reported this to my credit. I completely paid the debt for almost 700.00 in full and they just reported this again to my credit in 2010, when I have had it at a 0.00 balance for 2 years. Very aggravating. It cost me 57 points on my credit. It is 643 when it should be 700. I going to try and appeal it. read full review »