Not too sharp above the neck, these people. I just got turned down for a new bike purchase because these cretins looked at three collection entries that are between two and five years old and decided they were new collections because the date they were last reported was within the last year. How do people working with credit every day not know how to read reports? The finance manager at the dealership actually tried to tell me that although one medical bill that has been on my record since 2005, the fact that it was last reported in... read full review »