My good friends at Providian are wreaking havoc with my credit reports. There is an entry for Providian Bancorp that states the following: Opened: 1/96 Date of Last Activity: 5/96 High Credit: 0 Balance: $344 Charged Off Account Closed by Grantor Previous Payment History: 2 times 30 days late, 1 time 60 days late, 3 times 90+ days late Previous Status: 11/96 R9, 10/96 R5, 9/96 R4 Now, it appears that Providian reports every single month. To be honest, I "think" I received this credit card and was appalled by all the initial fees and never used it. I believe the $344 is the initial fees with late charges and such. The short time between "account open" and "last activity" would support that. I called Providian and they said that my account was so old that they would have to have someone call me back. No one has called. My question: Should I dispute with the CRA's? I feel this won't work because it will popup the very next month. The fact that they have reported every month supports this. Should I claim it is incorrect? This is true, but I am afraid it will just come back as verified. Should I call Providian again and try to convince them that there was a mistake and pay them and try to get them to remove the listing? What do you all think?