Now they've reported me. My acocunt isn't in collections, though, so what gives? The item listed on my report says they closed my "revolving account" with them. I never paid them once, and I never COULD use the card. My big mistake was not sending the cardback, not disputing with certified letters, etc. However, I never signed a contract of any kind. I was processed over the phone when THEY called me. Should I write to them or dispute the information on my report? They really can't have "proof" of the debt if I never used the card, can they? Can I ask them for a copy of the contract? I know for sure, 100% that they never sent me a contract. What should I do?