Speaking of mortgage companies, Citimortgage sucks. They bought out my mortgage from the company I've had for 6 years. Never been late on a payment. During the switchover, they "lost" my payment. They turned it in to all the credit reporting agencies. "BAM" I'm screwed now. I've spent the last two months fighting it and trying to get it removed. Citimortgage says, "whatever,. it's not our fault".