I closed this account in January of 2006. Pay the bill in full also I cut-up the card and sent it back with the payment. Later I paid a charge that was filed after january. I didn't hear anything from Tribute after that then in November of 06 MCM started sending me letters that I still owed Tribute. I've sent MCM copies of my money orders talked to every one even people in India that handles Tribute custemer services. And I'm still receiving letters from MCM. Also I've disputed this with the credit reporting agency. And nothing has came of these efforts. read full review »