I had a payday loan which I paid off in full. Then I had applied for a credit card but never activated it and constantly called the company asking them why they wanted money for a card I never activated. They told me over and over and over again that I didn't have to worry about it, since I had not activated it and would not receive any more emails or bill. Now on my credit report NEVIS has reported that I owe $90 and the status was seriously past due. There is no information for me to dispute this on the credit report!