I spoke on the phone with Beth Southern who told me she could help me get my current VA mortgage refinanced to a lower interest rate if I would fax her a copy of the note on my home, the declarations page of my homeowners insurance, a current copy of my monthly statement and to sign and return the borrower's certificate she was emailing me.

I faxed these documents to her which cost me $10.00 at the Fedex/Kinko's store and the very next day I received an email from her which contained a letter of denial. It seems she could no longer help me because my credit scores obtained from some credit reporting agency I have never heard of located in Virginia were too low.

When I first bought my home, the mortgage company and VA used the three consumer reporting agencies to get my credit score. They were good enough for the mortgage company to give me the loan for my home. And since then, they have steadily climbed upward.

I have repeatedly asked for the documents that I faxed to Beth Southern and she claims she has shredded them. I have no proof of this. I have had identity theft problems in the distant past and stated to Beth Southern this is why I wanted the documents back. My requests have been repeatedly ignored.