OK i have been trying to get my equifax and sears crap cleared up with my visa i had back in 2002.it shows on my equifax i still OWE 1430.00 HOWEVER i declared bankruptcy in 2002, was discharged in 2003 and the SEARS gave me a R9 which is the worst mark for credit, i have called several times and NEVER get anyone who speaks just plain old english! i have emailed i have phoned over and over and nothing is getting done! THEN they called my house 1 time but at 530 in the damn morning! never returned my call. i want this cleared up nowand it aint happening and i am getting very mad! lisa tosoff read full review »