The I asked why my mortgage was in the credit management section and classified as a negative account. They said it was a mistake and it would not be disputed. (I have 3 years of perfect payments.) I got my lastest Trans Union report last night, and guess what, my mortgage has been deleted!!! I have sent all my reports certified, priority mail, so I know they are there. They have not answered e-mails. At this moment I'm so angry, I don't dare to pick up the phone and call them. It would not be a pleasant conversation. Is it just me or has anyone else had these problems?? Thanks for all of your input.