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I'm very sorry to hear that your account has PayPal Credit associated with it and you don't recall signing up for it. If there are transactions that have been billed to PayPal Credit without your knowledge, there is a likelihood of unauthorized access. It's very important to contact PayPal customer support to report the unauthorized activity and re-secure your account. You can reach customer support by Facebook, Twitter, or phone or email. Please get in touch with support as soon as possible to prevent further unauthorized activity from happening.
I hope this is resolved quickly!