Today I called a creditor that did an AR on a closed account (An account I closed myself). I called to find out why they looked at my credit report. They had no answer for me. I can't reopen it because my credit sucks - I was hoping maybe they would since I was never late with them for the 4 years I had it open with them. Oh well. I guess I have to resign myself to the fact that my credit sucks & get over it.