Oh, I know, it's the fact that some of them shifted the debt to my name, despite the fact that I was not listed as a guarantor, and did not apply for the credit, just was given a card on the account. I know I have no legal obligation (lawyer told me so), but they've f****d my credit by doing the shift. It's illegal, they have to fix it, but now I'm hosed for the foreseeable future.