1. I will try talking to the fraud department or a supervisior at MBNA again to see if I can reslove this. I am thinking I should bring up questions like how do I know the security info for the account is intact since it would have been there, and why didn't you notice that you were sending bills to two different addresses. (If this fails I may cancel the account I currently have with MBNA. I got an offer over the phone for a Citibank Platinum Select Mastercard so that should replace it.) 2. If that fails, I am going to try a removal from the CRAs once more. I need to check but the address that corresponded to the fruadulent account has been removed I believe. This might help. 3. If that doesn't work, then I will just continually challenge the lates peroidcally until 2006 and hope sometime I get lucky and it will be removed.