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I am a bit confused - there seem to be 3 locations to keep up with this - can someone please explain which is which? Also, It took close to four hours yesterday when I contacted the three major credit bureaus, mostly because I insisted upon climbing the hierarchy. Each of them told me there is no provision for ignoring a delinquent account nor any other option that they would entertain for keeping us safe from credit reports submitted by the Manhattan Club. If someone has been successful getting the bureaus to cooperate, as has been mentioned on one of the other forums, please let us know. Thanks, Justine