So, here's the story, and I can fill in any info you need otherwise.
I opened an account with Best Buy in October 2007, mainly to finance my laptop I needed before I moved to Germany (I'm military). I kept up with the payments until around September 2008, when I went back to the States to get Married. More or less, out of sight, out of mind as there are no Best Buys in Germany. Normally, I'm pretty good at keeping track of my bills, but this one slipped through the cracks.