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How do I get a CLOSED fraudulent credit card off my report?
I'm have never applied for credit or a loan for anything before. Parents paid for college, I drive my dad's unreliable old car, and I rent an apt. I make $60k+ a year and have been employed for 5yrs. I should have no credit history whatsoever, and no debt to speak of. But my report says I had a delinquent CITI SHELL card back in 2007. I never applied for one and this is the first I've heard of it, so its fraudulent or a mistake. My score is poor because of this Shell stuff. Bank rejected my auto loan specifically because of that listing. The listing says the account is CLOSED. So what do I do now? I want that removed, but since its closed does it just stay on there? I also have a medical bill from an ambulance that revived me when I was in Austin in a diabetic shock. That was my bad, but its only $200. How do I track down who I need pay (it just says CTC), and will paying that off now immediately bump up my score so I can get a car.

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