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Msshadoe

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We should have excellent credit as all of our bills are
bills are automatically taken out of our checking account

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Which may or may not have anything to do with credit, depending what the bills are.  A checking account has nothing to do with credit. If the bills being deducted are for reported loans and credit; they will be reported.  

Educate yourself by reading the articles here and other sites.

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How did you arrive at that conclusion? you have paid your bills on time for 5 months or 10 years? What kind of bills are them? were you late and or had a charge-off/collection in last 7 years?

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How

do we get this to the proper place and people????

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