Hi All,
I'll do my best to make this brief so I save you the time of reading too much detail. I bought a computer at best buy somewhere around 2009/2010, and they "convinced" me to use their 0% financing option, which is the only reason I opened the Best buy account in the first place.
I eventually paid of the card in full, and closed it with a zero balance.
My identity was stolen in late 2012 becuase of an apartment complex in San Francisco with sloppy data management practices. About 3-4 months after it was stolen, the best buy account suddenly had a $9,150 balance out of nowhere! I never paid a single dime, but eventually this account was closed with a note saying "all payments have been made".
As I look at my journey from a credit score of 790 to about 620, about 80+% of the change can be attributed to this one stupid card that never had a late payment and never had an interest charge!
What do I do? How do I get the credit agencies to forget about this card altogether????
PLEASE HELP!
-DEREK
