I am very new to the credit world, I was told since I have no file yet so my credit score should be 0. When I checked out my score for the first time it didn't say 0 it says 1 & that chase opened a credit card I don't even know about! My credit says I owe 356$ to Americollect.. I called the number but it was false... I see there are other people with the exact same information as I had about this fraudulent charges from Wilmington Delaware. My credit is my life as I'm trying to start my life now but now these people made me stuck someone please help...