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rakuhn wrote:I have a few questions, here they go:What is the next step if a PD offer is rejected or they fail to respond at all? I received one response that basically read: Pay it, and thats that. Capital One never responded at all. Should I try again with both. Those of you with experience please help.I have a mortgage with WaMu that they were orginally reporting to all three credit bureaus but since April of 2007 they have not been reporting to Equifax. I have contacted them three times, and they claim the information has been reported. I have sent a dispute letter to Eqiufax but not recieved a reply. My reports still has not been updated? Does anyone have any recommendations.Finally, does a credit have to report to all three bureas? I have two auto loans which show up on all three, but my monthly payments are showing on all. What are my options?Any recommendations will be greatly appreciated.