You are on the wrong website. This forum is for discussion on
ebooks and
ebook readers. Google has probably led you here because this forum has a number of discussions on reclaiming Sony's Connect store credit, which is not what you think it is.
Bottom line, you are in the wrong place. This website has nothing to do with credit repair or running a business.
And HarryT, I'm surprised at you. You are usually a very helpful person.