Back in 96' my husband paid off a Sears Credit Card and in 03' when we decided to buy a house they had as he owed and we had to pay it again just to get it cleared up for the purchase. Then 05' it shoed up again and this time they said it was a remainder amount of 700+ dollars...we paid it thinking we should to keep our report cleared. In 07' I wrote a check that did not clear, they sent to a collection agency then I paid the Collection Agency...amount plus bouced fee and again "today-2011" I recieved a collection... read full review »