I guess I underestimated myself - my credit has been bad since my early 20's and I'm just finally getting it back on track. So when I got this letter I just assumed that I owed them! I have my credit report, which I'm in the process of cleaning up, I just need to be more careful with my information. I think I am going to switch banks on my next day off - it will give me peace of mind. It's weird but I feel almost violated in some way. ugh.
Thanks for letting me vent!
