Salute Visa Salute Vipers Atlanta, Georgia

I, too, was a victim of this company (which, I understand, is no longer in existence).  I was solicited by Salute Visa in early 2008.  I received the credit card in the mail and made my payments as per the agreement.  For being a "good customer", they increased my credit limit.  It was when I had to cancel my credit cards because I'd lost my wallet that I was informed that they would be discontinuing the program.  So I had no card, no replacement card, yet was stuck with a large bill, which I have since paid.  My problem is that it now shows up on my credit report as "credit account closed by consumer"--when in actuality, all I did was cancel my lost credit card and the company discontinued the program.  I filed a counter-report, where they denied canceling the program and said that I was the one who canceled the card.  I am FURIOUS, because I am trying to repair my credit, and I know that canceling a credit card that you've only had for a short period of time (a few months) lowers a credit score.