ok the details are8k credit on citi finaincial started in2005----- had planned to pif when the 0% peroid was over but could not --due to surgery etc,,,,,, did pay with interest until all paid off , showing as late in 2006, on time since then, same with the discover..... paid in full and now it is closed,,,, has not reported to cb yet but I would assume It will report next cycle. now I do not have 13k in credit that was very valuable to me from an appliance store. but it is on short notice. I planned to refi and then purchase more prop this year....... I check with both and they were both stated by the company to be availble credit and then I went to use them and they were closed. the excuse it that the person who looked for me , " did not see that screen " ON BOTH OF THEM ,,,,, this will affect my dti and longevity of my accounts... what to do ....