Now that is a freakin story. I know exactly what you mean. I am still fighting a medical bill from 4 years ago that my insurance decided not to pay. It was a covered expense, but they never paid it. And, partly my fault, I didn't check my credit in over a year and when I did, I found that I was turned into collections. After finding that out, I called to get it resolved, but they say they wont take care of it because it has been more than a year and they aren't obligated to do so. So when I bought my new house 9 months ago, I was also in a lower lending pool and am paying extra money every month. Where is the JUSTICE?