The arrogance and evil nature of this company is so sickening. There is no way any company like this should have the ability under the law to lower a persons credit rating with impunity. How did they get that right under law? I think these folks should be able to collect damages from them. And I mean simply in there local courthouse and garnish the account of KlearGear for incurred. Damages and expenses. Who are these people? KlearGear YOU SUCK!