With all of my credit accounts qualifying as never late, I was ready to get my first apartment after graduating from college. I worked hard to never have a late payment, to build a credit history. Imagine my surprise when I pulled my free credit report to bring with my apartment application and found a $125 BP/Citi revolving account, supposedly opened in 1999.
I never opened the account and never received any information, cards, or bills from BP/Citi, and after researching, I believe the company is not even real. The company closed the account, but it remains a delinquent account in my name until 2010. It will prevent me from getting an apartment, a car, and eventually a house. Parents, be wary: college students are targets!
Please help me bring down this scam and restore my credit. Also, is there any action I can take more immediately than writing to the reporting agencies?
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