I dont even know who first credit is but i had just opened a checking account with a dollar @ washington mutual and the very next day 1ST CREDIT NOW TOOK OUT 2.95 which gave me an overdraft charge of $34 then again 44.90 which gave me a overdraft and a non-sufficient charge of $34 dollars each when given a number to call i was sent to a recording saying this #is out of servicce and i now owe washington mutual a total of $114.00 dollars on an account i never used!!!