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Well, it was healthy enough when I signed for the loan and the interest agreement. They ran my credit report then and there. Todate there is no additional loans on my credit report. There is no one asking me for money on this TS. Because the loan is not active, I cannot use the TS. Should I call Hilton and say "Hey, where is my loan?"? Tell me, somebody, this Susan Budowski. She is the last "consumer advocate" I contacted. Haven't heard from her yet. Will I just be more frustrated?