they put something on my credit report that i did not know i owed and i called and ask for a copy of bill and was tiold i was not getting one and to pay up. i called the creditor and found that it was a bill i owed and paid it and the creditor agreed that i did not know about the bill. but as of 2 weeks later it is still on my credit report.it has hurt my credit by a 100 point drop. i am going to find a lawyer to see what my next step is. read full review »