Since I've seen others post links to other helpful places, I'm posting these. I think they have important info. If I'm wrong to post these, please accept my apology. They are helpful sites, and I have seen others post helpful sites, so I think this is ok. Read this one first for the info. http://www.ripoffreport.com/reports/ripoff137687.htm This list relates to the info in the first link. Together, both are good to know. http://www.thecreditguru.com/referral.htm
