Granted, I had an credit card account through walmart that was in bad standing, but it was never on my credit until recently. That was over 8 years ago! And then all of a sudden, on my credit report pops up " GEMB/Walmart" account in bad standing! I have 3 other accounts thru GEMB Old Navy, Jc Penny, and Belk in perfectl good standing. WTF! read full review »