never had this card collection agency says i did, started paying them when they said they were going to take me to jail. I had aprovidian and paid it off, providian never appeared on my credit report but emerge did, i never got an emerge bill, they said it was active for 7 years i had providian over 15 years ago. now they want to sue me. this is not fair, i have never got a piece of emerge mail, they even say they had someone come out and serve me but that never happened either. When i stopped paying for something that did not belong to me... read full review »