I, XXXX XXXX XXXX, have an active, in good standing, VISA card from Arvest Bank-Security Bankcard Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX Cell : ( XXXX ) XXXX. I received this card in XXXX of XXXX, some 16 months ago, in order to rebuild my credit after years of XXXX and medical problems. I had no problems with this VISA card and built my XXXX scores up quickly in just over a year. On XXXX XXXX of XXXX, a company named XXXX out of XXXX, XXXX placed a fraudulent charge on my VISA card of {$70.00}. I contacted XXXX and demanded my money back and they laughed. I immediately contacted Arvest Security Bankcard XXXX in XXXX, XXXX and spoke to Customer Service first. I told them the XXXX illegal charge on my VISA just one hour before and they said that they see it in the Pending file of my account. I asked what this was going to do to my credit scores and they gave me the phone numbers to all XXXX credit bureaus and suggest that once I had talked to the fraud department at Arvest-Security Bankcard XXXX, to call the Bureaus and place an alert. I was then transferred to the fraud department. They took down all my information and told me NOT to pay the {$70.00} on my upcoming monthly VISA bill, until after they investigate XXXX and the charge on my account. About a week later, ALL of my XXXX scores dropped due to the {$70.00} XXXX illegal charge I was told not to pay by Arvest-Security Bankcard XXXX XXXX. This {$70.00} was not even due or late but Arvest-Security Bankcard XXXX had issued out the monthly statement and reported my VISA activity to all XXXX credit bureaus. The {$70.00}, that I was told not to pay until after the investigation was concluded, caused my credit usage to increase up to about 18 % instead of the XXXX12 % credit of XXXX credit limit I have on the VISA. I was upset about this and decided to pay the illegal XXXX charge of {$70.00} to avoid another hit to my XXXX scores. My wife, XXXX XXXX XXXX, and I were in the process of trying to buy a home because the rental double-wide we were living in was dangerous to our health as is the land it is on. Plus, the landlord had been pressuring us to buy this rental property or he would sell it to the neighbor. He offered to owner finance us but because of the condition of the property and structures, we worked hard to buy our own home. Our credit with Arvest-Security Bankcard XXXX had improved at this point to where our VISA cards would not need to be secured by our XXXX {$1200.00} Certificates of Deposits and were issued un-secured VISAs in XXXX XXXX and our CDs were released and put back into our Savings account at Arvest Bank to be used toward down payment of our new home we were looking for. We found XXXX properties, all which would help us with our XXXX, and get us out of the unhealthy mobile home we were renting. Time was of the essence and the pressure of buying from the landlord was great. He said, " buy or be evicted ''. I contacted XXXX to help fight the forced sale by the landlord. They were " advice only ''. I spoke to another attorney and he explained that we had enough time if we could buy a home in XXXX3 months. We were ready and about to get a pre-approval letter from XXXX XXXX at XXXX 's XXXX. Then a major disaster happens to my Equifax XXXX score. While my XXXX and XXXX XXXX scores were good enough for a home loan, and my wife 's XXXX scores were even better. XXXX said he could approve the loan but there was a N/A on my XXXX score and that had to be fixed before he could approve the loan. What happened? Around late XXXX XXXX XXXX, my XXXX XXXX score dropped from the mid XXXX to N/A. My VISA card and its complete 12 month plus history was gone from my XXXX Credit report ... PLEASE SEE ALL ATTACHED DOCUMENTS