So I noticed that I have a account from Columbia house for like $204.00 and of course its not mine & I disputed it, but I am worried cause I am trying to boost my score and check my credit frequently and pay EVERYTHING on time and now this so should I put a fraud alert on my account or file a police report? And I had gotten one of them payday loans back in 2007 online and now there attorney's are harrassing me at work over 250.00 and I heard in Illinois that they don't hold payday loans against you or your credit is this true? SOMEONE HELP!..lol
