The biggest problem, as far as Link credit is concerned, is that members do not take the time to report. Royal Traffic is a good example. If you looked at her credit score with the Link, she was fine. Many of us knew that she was a little long to pay. All of a sudden, she just stopped paying. How many of us got duped by her with her closing up shop recently. I reported Royal Traffic ans was told that we were the first and they needed two more complaints. We need to take the time to report to the Link when people don't pay or are slow payers. If the Link credit scores are not accurate, we can only blame the members for not taking the time.