The credit bureaus are a joke and the XXXX needs to do something about them or ban credit scores if the XXXX refuses to regulate and ban them. I 've repeatedly reported how the credit bureaus and XXXX XXXX mortgage continue to report a short sale as a foreclosure on my credit report despite the fact that XXXX agreed to the short sale, the loan closed as a short sale, there was no XXXX and XXXX never took possession of my property. Now, I recently sold my home and paid off both my first and second mortgages in full and the credit bureaus are now NEGATIVELY reporting the PAID in FULL for the FULL balance as NEGATIVE Activity on my credit report. How can the sale of my home for a profit that yielded the payoff of my accounts be reported as NEGATIVE?? The accounts were closed by the lenders because they were paid in Full from the Sale - not due to ANY delinquent activity on my part - so why is this considered negative?? And why on earth would you report my credit score as Negative. This whole credit reporting system is a joke and detrimental to hard working consumers who pay their bills on time.