I'm so ticked. I spoke to a supervisor and she asked me if I could fax the information and she would take it from there. She seemed sincere. I can only hope this mess gets straightened out. As for right now, I have a total of 28 accounts, three cars, 50 inquiries (including ARs, and PRMs) and I owe $48000 worth of debt (but that's my three car loans). Fortunately, my husband has good credit so everything is R1 and I1, but I kinda look like I have overextended myself. Dani PS This is not the time for me to apply for that Amex LOC.