I had an HSBC credit card in default and Arrow Financial Services was trying to collect the debt from me. I never paid them so they sent my account to Redline Recovery. Redline sent me a settlement amount that I paid in full back in Oct. 2010. I thought everything was good to go. I just recently (Jan.2011) tried to get financed for a home and got declined due to bad credit. I didn't understand why. Come to find out, Arrow Financial Services has a delinquent account reported on my credit report and you guessed it, it is the account I had... read full review »