I applied for Dell credit and got $3000 credit. My credit score was excellent 800. I bought an XP laptop for $2800 and waited for it. Dell shipped out the computer and placed a hold on the shipment while in transit and returned it to sender. I contacted them and they say because of verification issues. Then they took away 400 points from my credit score by constantly checking my credit. They are also billing me for the computer I never received.I spend 1 hour telling them what happened and for them to stop trying to scam me by billing me for a shipment they are holding and never delivered to me.Now they send me to collections. I am so angry with Dell’s staff for the stress they have caused me and for ruining my credit score. Below Zero stars