(As stupid has it sounds I really did this.) Since am currently seeking employment I decided to run my credit reports. After paying through Genus Credit for two years, I actually thought my credit would be ok. SO WRONG My reports came back so bad I-freaked-out. So I ran to my father and borrowed money, then sat down a paid everyone. (Thinking that this would help my credit) Citi Bank cashed a check that should have gone to Sherman Acquisition. Citi Bank refuses to speak to me. I have written letters, faxed copies of the check; I have done everything that I can think of. Sherman is now showing the account as late. Please what is my next step? Like I said I wish I had found this site a couple months ago. I am sending validation letters trying to have some accounts deleted but I haven't found a problem similar to this one yet. Please reply, I know it sounds stupid but Iâ??m afraid it is true. Wbullit