It’s always a good idea to do that yearly check. I just found out that I somehow racked up a $196 bill with Doubleday Book Club in late 2012 even though I had no such account at the time. I didn’t receive any books anyhow. Also, somehow I racked up scholastic books at the time too. Only thing I can’t check is where the hell they supposedly went. I haven’t received any books from any club for several years and never left those unpaid so have no idea what this crap is. I know I’ve got to write the credit bureaus but don’t want to deal with it.