I'm embarassed to admit that at 27- I checked my credit for the first time yesterday. I think I was trying to avoid the inevitable of seeing the harsh reality of my terrible score. Upon looking at my baddies- i noticed there is a CO for a card I have never applied for. It's a retail card for Fashion Bug (I've never even been in the store!). What can I do to dispute this and get it removed? I'm a total newbie- so thanks for your help!!