What should I do? She told me even if I didn't owe it or did and paid it they'd never remove it for me, as I didn't deserve it for being such a cheater (her words). I also got a nasty phone message from First Union (I wrote them to dispute an Internet inquiry). They said they were sure the inquiry was legitimate but would consider removing it and let me know. I mean, this is not how I expected things to turn out. Yes, I'm pleased that it took six days for FUnion to reply, but the thing with the library bothers me. What can I do? I want this crap off!