My husband and I have worked hard to have good credit all of our lives. We always pay our bills on time and/or pay them off. We've made several real estate investments. We found our future retirement home and we are in the process of purchasing. We found out the Barclays Bank of Delaare had turned us in to the credit bureau. Thus, making us have bad credit and a higher interest rate on our loan. Spirit Airlkines said that we applied for a card. We do not have a card, do not remember ever applying for a card, and there is no balance they... read full review »