In February 1999 I went to bankruptcy under Chapter 7 and after that I spent years covering my living expenses straight out of my paychecks, now I'm told that Providian issued a credit card on my name. It wasn't until a few months ago that I got from my Bank (Washington Mutual) a credit line for $500.00. and I felt motivated to repair my credit. I made some advance, then, suddenly my score was lowered by 7 points and soon I understood why: I was defaulted for a delinquent account I never requested or used. I received a letter... read full review »