My credit card with a high limit (for my age anyway) and everything else that was on the credit report was A1. But then Columbia house made some stupid claim for shit they supposedly sent me AFTER i had told them to stop sending me DVDs TWICE. And of course this is AFTER my credit card got billed for 700 dollars in DVDs before i realized they were billing me every month for DVDs I wasn't getting. When I called them up they said "find out where they are and get them, if you send them back we'll refund you.." Ya, it's that easy right? Especially when these RETARDS can't even change an address and I have no idea where the DVDs were sent. Not to mention student housing changes tenants every 4-8 months... So the joke (on me) is that I've payed $700 for stuff I never received and they still ruined my credit rating. There's nothing else at all on it and it's a whopping 46/100 =( Even if I get ti taken off somehow I applied for my loan today so it's iffy at best cause in the end the bank sees it as a 22 yr old who already has creditors saying he's refused to pay.