Trouble is she has never had a Texaco card! I'm thinking alriiiiight! I can use one of lizard's validation letters and nip this in the bud! Then she mumbled something about them bothering her again. Again?!?!? I asked her if she got these letters before? She said "oh yeah, maybe 3 or 4." WTF?!?! So I ask what she did about it? Did she dispute them or what? "No, they'll take care of it. It'll go away." So, of course, my head is spinning! "No! It won't just go away! YOU have to do something now because they'll mess up your credit." (Well more than it already is) She tosses the letter into the trash! At this point I can't even say anything...so she glares at me and walks off in a huff! Here I am all ready for an easy victory and she won't even admit there's a battle to be faught! ugh!