Hello, @J584164, thank you for reaching out to our Forums and giving me a chance to help you on this. I hope your family is all ok and warm. The news coming out of your neck of the woods is pretty scary, but I hope your power has been restored. I can definitely help with your credit concerns! In order to get started can you please send me a private message with your full name? To send a private message, click my name "ComastMarcos", then click "send message".