In Feb 2005, I made an arrangement to pay an amount to resolve an issue with them, which I did timely. Impressively it has taken until April 2008 to resolve the issue with them. Because the information was not properly reported to the credit bureaus I have an impressive house mortgage rate over 9.8% and other loans with incredibly higher than average percentage rates. I can only dream of nice things and know that someone else will have grand opportunities. Its funny, I do what I am supposed to do and its others around me who have the strength to make it unfair for me, and their is nothing I can do except for happily have less than those who are more fortunate.