I tried planet feedback. I received a nice email from them but basically stating they would not remove it. I responded back and asked for a manager to reply. Again, the manager was very nice, but said nope we are not removing the lates. I searched the FCRA, and came up with nothing. I mean shouldn't there be a disclosure or something if they report to the credit bureaus. Shouldn't that be a part of the application process? When I called and informed them I would be late, they were nice, but still no disclosure about credit reporting. This cannot be legal. I mean if I applied for a citi bank mc or visa, there would be an application that states they are pulling a credit report and upon approval monthly payments will be reported. What makes utility companies so different? It doesn't sound right, yet I can't find anything in the FCRA about utility companies that report. If anyone can shed light on this for me I would greatly appreciate it.