Well, my buddy who is a loan officer pulled my credit report for me today and we reviewed it. It's good and bad. The good part is my credit is still in outstandingly good condition.

The bad part is, last March, I had reported a stolen CC#. That account was closed and a new CC# was issued to me. Well, the old account is still open, somehow, for some reason. The balance on it reads over $3k, of which is not mine. I called the issuing bank of the card tonight and they told me that the account will still show in my name, of course, and there is a blanace of $0 on it and it is closed out. She then told me to call another number, which turns out to be a credit investigative branch, and speak with them about it. It may be that they are keeping the account open under my name, but with a watchful "closed account" which only they control. This is most likely being done because the "user" of this CC# is a possible catch for them, and they are pursuing them.

Now, as cool as that sounds, I am all for it, but at the same time, it still shows as an open account on my credit report with a balance. This, in turn, is against me if I were to apply for any sort of credit or a loan at this point. Hardly seems fair if you ask me.

So, tomorrow, I am calling the number given to me, and seeing what the deal is. If they are of no help and show no remorse towards my "oh so very personal situation", then I am turning around and calling the Federal Trade Commission. I am planning on buying a new home this spring, and this is not the kind of crap I need to be dealing with now to hurt that situation. *sigh*