If CITIFINANCIAL appears on your credit report and you are not familiar with the account as it appears on your credit report, contact me by e-mail. I learned recently that CITIFINANCIAL had reactivated an old stale MELLON BANK account which would have started the 7 year reporting period on my credit report all over again. I am trying to ascertain how many other people this may have happened to. Thank you. mba9999@aol.com September 16, 2000