@Robry.....I would write a goodwill to Fredmeyers, sort of like the one I have. But check this out here is the new scoop. I got a call from a citibank rep who says it was taken care of and he would send out a letter, blah, blah. I got his number so I can follow up with him. He claimed he works under the dude that kept saying "no" and that the dude was on vacation. Whatever! I think what happened was when I sent this new letter out to both the ceo's, complete with that post script somebody got chewed out. And the original "refusal dude" was to embarrassed to call so he got his flunkie to do it. I will be checking my report everyday till I see it drop. Or check my mail for the letter he claim was sent. If no change or no letter, I will call the "flunkie dude" back and if he get stupid I will be sending another email to the big boys!