This company is filled with individuals that are straight CROOKS! They are trying to tell me that I have a balance on an account that does not exist. I disputed the information. They NEVER responded to my dispute. Never provided me with verification that it was valid and placed the information on my credit report. They also never included my dispute information with the report. I contacted them several times about the validity of the information that they have and they gave me the run around each time. Telling me just pay it, you know it's yours. I know a lot of people in this world go around skipping out on bills they created, but I am not one of them. I had damn near a 800 credit score before they put this bogus crap on my report. I am mad as hell!