THERESA SANDOVAL writes: FIRST IT IS HARD TO SPEAK WITH RECORDED MESSAGES ON THE PHONE OTHER IS I DO NOT WANT TO PAY FOR A CREDIT CHECK. I ASK FOR A CREDIT CARD TO START MT OWN CREDIT BECAUSE OF BANKRUPTCY THAT I HAD NO CONTROL OF ALL WAS MY DOING MY HUSBAND WAS THE BREAD WINNER IN OUR HONE WHEN I HAD THE CREDIT WITH BOTH SOCIAL SECURITY NUMBER AS HE WANTED, AT SAME TIME HE ALSO WAS UNDER GLORIA SANDOVAL ALVAREZ USING HER SOCIAL SECURITY AND HAS HAD A CREDIT CARD UNDER ADIFFERENT NAME AND LEFT ME HANGING WITH THE PROBLEM I WAS ALSO TOLD BY CHEX THAT MY PROBLE WILL BE CLEARED THE YEAR 2005 AND NOW FOUND BY CAPITAL ONE THIS IS NOT SO THIS IS WRONG! THIS IS WHY IRS HAS TO GIVE ME HUSBAND WHEREABOUTS TO CLEAR THIS IN COURT I HAVE BEEN PAYING RENT SINCE YEAR 2001 AND PHONE LIGHT ETC ON MY OWN I WOULD LIKE TO START MY OWN CREDIT AGAIN! THERESA SANDOVAL OTHER NAME I USED WAS MY FATHERS FATHER LAST NAME AND THE SAME.