this is not a journal title

And even when you *DO* have everything under control, THEY may not. Last time I checked there were two issues: a credit card that my mom had opened under my name years and years ago and never bothered to close (technically my or my mom's error, now fixed), and a credit card that I used to be on with Mom still had me listed as being on the card and therefore claimed I had lots of debt. That one was their error, as I was actually removed from the card something like 6 years ago.