06-21-2008 12:49 PM - edited 06-21-2008 01:09 PM
06-21-2008 02:30 PM
06-22-2008 07:46 AM
Definitely dispute it.
Who's to say that the owner won't re-open it and then rack up a late. Besides, 95% utilization is the kiss of death...if that's your only revolving account that can do you 60 to 80 points of damage.