I have this club card I accured in 2003 ,I just used it to enjoy the facility on the club (bowling), I did not know that it a credit card also. I never used it and I have no idea that its a credit card and it has an anual membership on the card,I have already distroy the card long time ago.now its showing in my credit report. because of it my credit or fico score is distroy just because of $21 dollar.I dont know how to fix this problem please help me....
thank's ...
astig
