I'm 21 years old and starting to get into monitoring my credit. I have a serious issue with a Chase credit card. Apparently, I had an open account with them that I didn't know about since August 2006. I never received a card (at home) or at my school address so I didn't know ANYTHING about this. I returned home this month after spring semester ended and found out that I had a bunch of bills from chase, with the first bill arriving in Feb. As of June, I currently owe them $145 and they have closed the account. I decided to go to look at my free credit report and investigate further. Since I never received the card, I never activated it. When I looked at the history, my first bill was for $79 for January 2007. So from Aug-Dec, the balance was $0! how does that happen? I have not contacted Chase yet, cause I'm new to this credit thing, and I hate talking to people like creditors. Apparently, the account is closed now. How should I go about rectifying this?