i TALKED TO THIS COMPANY IN aUGUST JULY, AUGUST & SEPTEMBER, THEY ASSURED ME WITH MY SOCIAL THEY HAD NOTHING ON RECORD FOR ME. NO ACCOUNTS IN THEIR OFFICE WITH MY NAME OR SOCIAL, NOW IN OCTOBER ITHEY REPORTED ME TO THE 3 CREDIT AGENCIES WITH A 800+ ACCOUNT, THIS COULD OF BEEN PAID EARLIER, NOW THEY HAVE ME LISTED AND MY POINTS DROPPED BY 17 POINTS. WHAT CAN I DO TO GET THIS OFF MY RECORD. I SHOULD AT LEAST HAVE A CHANCE TO WORK THIS OUT AND PAY IT BEFORE IT WAS PUT ON MY CREDIT. BY ME CALLING THEM THEY MUST OF FOUND SOMETHING OLD FROM MY PAST AND NOW THEY ARE TRYING TO COLLECT WHICH I DO NOT MIND IT IS THE WAY THEY ARE DOING IT!THROWING ON MY CREDIT WITHOUT NOTIFACATION.