well i could not belive it when i tried to get a loan and my credit score had droped 150 points .
i got my credit report and noticed i had an account that was 90 days late, well it was a washington mutual visa .so i called coustomer service who of course tried to collect the past due amount the then tranfered me to the fraud department . after being on hold for 30 to 45 min i spoke with the fraud department and exsplained to them that i have not had the card for over two years . well thinking everything would be taken care of i was relieved . however two months and several more calls they still have been unsucsesful in getting me the proper papperwork for me to fill out and mail back to fully resolve this issue. the last call i made to them i was hung up on. i wish there was a resourse to help consumers with these issues.