Ice:& Thanks for the clarification.& I did the correct thing in regard to my SSA matter, but when it comes to the credit card company, I will have to re-think this one.& We used a BoE with them, and your advice to use a CPN with them makes sence.& Can this be corrected by sending them out a CPN after a BoE has already been sent.& I see the difference in the material being sent to credit card companies vs government entities.& It makes great sence and I hope that this clarifies it for others who have been looking for an answer to why some credit card companies accept and perform on the BoE and others do not.& I have had this very thing occur to me in the past.& A simple answer like this one can clear up alot of hassel for everyone once they see the reasoning behind it.& Thanks again for the advice.& SurJuris:& Thanks, I have already stopped the phone calls.