I just got my credit reports back after round one and half of one page of each report is devoted to Providian Bancorp. I remember having this card at one time, but not using it much if not at all. I am unsure if this was a secured card or not. The reports all say the account opened on 1/96 and the date of last activity was 5/96. Apparently they have been tacking on fees forever and I have a $344 balance. I wish I could get this removed or changed in status as it shows as a million days late. Has anyone had any success at getting accounts such as this rehabbed? What should I do next?