So i check my credit report and FLIP because I have working so hard on it and there is this debt for $137.66 for unpaid BMG - now i remember signing up for that back in 2002 but never using it but i assumed the debt was legitamite and immediately paid it. the woman calls me back and says my card was declined. Well ofcourse it gets declined when u run it 5 times!!! I spent an hour and half on the phone with them and capital one getting the charges removed. So i give them my mastercard- she runs it says it all good. faxes me all my paperwork and... read full review »