You know, I should have checked it the first time I got one of those "we are changing the terms because of junk on your credit report" letters, but the reasons given didn't make me think it was anything odd, just that I use a lot of credit quickly in the spring when I buy plant starts.
If you ever get one of those letters there should be a phone number on the back to call one of the credit reporting agencies and they give you instructions on how to get a truly free copy mailed to you or online. And I think everyone is entitled to one free copy a year (or something like that). You never know.
And yes, there really was a silver lining in this dark cloud
Now I can buy more hostas