Radio Shack says the following: Number of acounts 120 days or more delinquent in the last two years (well I have nothing new in the last two years) Number of accounts currently past due (might be true but it's all in dispute) Credit obligations requiring collection or legal judgements (i have no judgements and I do have some collection activity but the original creditor was paid so I am fighting to get that off) Oldest satisfactory account not open long enough (my student loan which was consolidated 2 months ago) SAD and I am ashamed and to say the least I thought they pulled someone else in GA..they used Equifax. I know it was a hard inquiry..this sucks!! Our friends at Prohibition (Providian) say the following: This letter is in reference to the correspondence received on July 3, 2001, in which you inquired about the status of your Visa account (I never did). You state that you never applied for the above mentioned account. This letter will serve as confirmation that the above mentioned account is closed and is currently in review by our Fraud Department. Should you have any additional questions in regards to this matter, please contact me (Nicole Johnson, Executive Office) at the above address (A POB in Pleasanton, CA).. All I asked was for validation, not all this crap. WTF? Where do I go next?