I don't know what your actually doing but it is a dis-serve to me and others. At this rate I will never ever have a house payment car payment and any loan possible. Just so you know I can't file bankruptcy Transunion has never done anything for me except cause problems I can't get a loan to get a better car I have never bought a new car. All I keep getting is these denial letters but I don't blame you for my continually of bad luck but it would be nice to give me a break then again look what you are.