ALL THESE DAM CREDIT REPORTS DON'T MENTIONED I PAID "ALL" MY DEBTS USING FREEDOM DEBT RELIEF. SO I DON'T GIVE A WOOT ON WHAT THE CREDIT SNITCHES SAY OR DO. MEANWHILE CREDIT KARMA KEEPS ON SENDING ME MORE CREDIT CARD INFO THAT HAVE NO ANNUAL FEE. THAT'S CITI BANK. MIGHT TRY TO REQUEST ONE.