The lumber company that I bought lumber from needed to deliver wood for my basement while I was in Florida, so I gave them a credit card over the phone. I then received deliveries in March and April. By the time I realized that I was being charged on my credit card for deliveries (which it was supposed to be COD, however nobody ever sent invoices), my limit on two cards had been maxed out and I now have a poor credit rating. My credit rating was a 704, which was checked by the bank who is supplying my mortgage and since the unauthorized... read full review »