guys.. very wierd. i have not paid a well known card company who is still very much in existance..i owe 6k on 2 cards and have'nt paid in almost 2 years. i just checked all 3 credit reports and not only don't those accounts show up anywhere,they also don't show up anywhere in the collections portion of my report. is this a freak occurrance? p.s. i did'nt pay because i was broke. plain and simple.