*cough* Just want to let y'all know that this is my biggest problem. My local electric company reports to all 3 cra's and they have screwed me big time. For the past 5 months I have been fighting tooth and nail with this company. They have me as 120 late 5 months in a row, totally untrue. Wrote them a gw, no luck, disputed with all 3 cra's 2 times, no luck, still on my reports, comes back verified. Don't know how it was verified because it's not true!