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I got the same song and dance about our credit being ruined. This whole thing is a JOKE!! My parents have owned a timeshare on Cape Cod for 20 years and never ONCE have they had to pay anything above their yearly fee (although it has gone up) . Every few years they had new furniture, different carpets, and new kitchen tables and chairs. Vistana is telling us about all the "up grades" we'll be getting. I own 1 week out of the year...let me say it again, I OWN 1 WEEK!!! Like I give a rats A$$ if I have granate counter tops, a brand new couch and perfect wall decore to match my plush carpets. What's happening here is they want people who own weeks to bail out of this so they can start selling the units under a point system. They can make a hell of a lot more money this way. The middle class average people are being pushed out to make way for the high class eilete.