I have a past due bill showing up on my credit reoirt as a collection. it says it is for a charge card/individual but it is really for a membership i had to a video rental store. even though i returned the movie they still want me to pay 129.00 for a late fee. i refused to pay it and now its shwing up on my credit report as a past due charge card. is there any way i can get it taken off my report?