So as I was going through many well wishing emails and text messages from friends Christmas Eve evening, a message pops up at about 6PM, you have a "credit change"; i go into my credit watching account, with no claims, never having one and always excellent credit; they show up as being the ones evil and nasty enough, thinking I would ruin perfect credit, no requests from them or their incompetent clients, a "medical clinic" "agent care clinic" called me MedExpress Urgent Care VA on 21054A Timberlake Road in Lynchburg, Virginia, who I would never go to again, many forms which apparently the "doctors" do not read before prescribing prednizone for a rash, which did nothing but create a problem with my other meds listed on their forms, so after getting worse and other problems, my cancer drs told me it was not to be taken with my other meds and would not fix the problem anyway, my time with the "dr" was about 5-7 minutes and the fee was US$275.00 twice the price of seeing my primary care dr...who knows my needs, but they claimed to be the convenient, quick, affordable solution, I can not afford medical incompetence, pice gauging, and the not hearing from them either, assuming my costly insurance covered it, getting a Christmas Eve gift from these unethical, incompetents. They never sent a statement requesting payment, but slam you on the most sacred of times, mudding a perfect credit record, after dealing with drs regularly since my cancers some 25 years now with its concomitant problems, and never being treated like this nor "enjoying" a ding on my credit. Both this credit agency and their client me should be shut down, certainly avoided, be sure to complain to the bob, Yelp, and the state Insurance Commission and your State Attorney General.