I got a very interesting phone call from a collector about money I do not owe, then I saw this article in Yahoo! Finance which was closely related about "slip-shod" credit reporting agencies:
http://finance.yahoo.com/tech-ticker/article/153423/Why-We-Should-Kill-the-Credit-Rating-Agencies
Very related to me; trying to buy or repair an electric vehicle while the 3 credit reporting companies are screaming "BAD risk; deadbeat!" about me behind my back.
