<prompt> Human: So about 8 years ago I signed up to be an American Airlines advantage member or some such crap. I elected to receive FIVE THOUSAND FREE BONUS MILES OH MY GOD, but i was 19 and mildly financially retarded at the time so I neglected to read the fine print which stated that I also agreed to sign up for a chase credit card and purchase a minimum of 100 on it every month or else I would face a hefty fine.I got LOTS of spam mail in college so I wound up trashing loads of letters including, no doubt, the credit card. I wouldnt even open most of them and I definitely received statements from chase bank for almost six months before I finally glanced at one of them. I have a credit card with chase? I asked, and that was soon followed by It has a -648 balance?!. I quickly called up chase and reported this as fraud because I had absolutely no recollection of signing up for this card, and it wasnt until about 2 months later that I finally pieced together that the stupid airlines reward program is where I made my mistake. Anyways though - the Chase account has always showed up on my credit report. At first it showed a single missed payment about 3 months after I had signed up, but here I am 8 years later and its showing up as completely clean with a credit limit of 22,000 ?!. I only have two bank accounts and one credit card account that I actually use, and so I think that having this extra account which now has a sterling payment history must be raising my credit score. Am I wrong in thinking this? Should I contact the credit agencies to correct this? Currently my score shows up as 792 on creditkarma, and when I applied for an auto loan 18 months ago the nice lady at the bank told me I was at 744 at the time according to her system. tl;dr: I have an extra account which I closed ages ago but it still shows up on my credit report with a flawless payment record and a large limit. This is probably helping my score, but should I correct it Meaning that I contact the credit unions and tell them that this account is not activehasnt been active for some time???Edit: This was actually United, not american. Also I came up with an arbitrary amount of bonus miles5000 which may not have been the actual number of bonus miles 25,000?. I do not feel that these details are relevant to the overall question.Assistant: I also agreed to sign up for a chase credit card and purchase a minimum of 100 on it every month or else I would face a hefty fine.lol, what? Ive never heard of that before.Should I contact the credit agencies to correct this?Correct what, exactly? If this was 8 years ago its already fallen off your report, theres nothing to correct. Dont close the card by the way, the available credit limit and the length of time its been open are helping your credit score. Edit: Are you even sure its the same card? It sounds like you didnt really know what you were doing back then, maybe you opened two cards, and closed the one with the fee. Human: Yes I am sure.To be clear: This chase account showed up at the exact time when I had the mystery card with a negative balance, and it just never went away after i closed it. When I say correct this I mean the error is that my credit reports all show a chase account with a 22,000 limit. I dont care about the single late fee as that is already gone.The way the fine accrued is that they charge you 36 or some crap like that if you dont have at least X of usage. So on month one I got charged 36, then I never paid that 36 so I was charged a negative balance fee, and that process became exacerbated over the 6-7 months before I realized what was happening.  <response>: You should contact Chase and find out about the account. The peace of mind and concrete knowledge of your financial standing is much more important than your credit score. I see too many people chasing a credit score. Use credit wisely, pay your debts, the score will take care of itself. And having a reported line of credit for 22,000 open that you have no idea about is most certainly not wise behavior.sincerely,Richard Nixon 