500 loans for peopel with bad credit

IN an ITS letter, state this info you received from OC and say there is NO way they can verify.
I only use my Visa for small purchases every month so my utilization is very low, around 5%.
Any other choice implies a knowledge of the account, making "not mine" a questionable choice later.
Not only has it forced me to accept responsibillity and actually acknowledge and deal with the things on my report, it has changed my life.