Apple id was created w/out CC, now I cannot use Software Update w/out CC

Let me start by dispelling any notion that I did not search first for this topic. I did search and found dozens of "How to create ID w/out CC". I do not need to create an Apple ID. I have an ID. The issue is that my ID can't be used for my included iPhoto update. It works like this....
I bought a new Mac Mini. I cannot set up my EXISTING Apple ID because it was created without a credit card, and I want to continue using it that way. I do not want to creat any additional IDs. I don't need to buy anything. When I choose Software Update, it separates the updates based on...
-- OS updates and
-- Updates for apps that "could" be purchased, but wrere in fact included with the Mac Mini.
When it shows an iPhoto update, I cannot install it because a credit card is required. PLEASE do not try to explain that I can give my credit card number and not buy anythign. I know that. I will not give my credit card number. Let's say I do not have any credit card.
I did manage to download the update directly from the web page and used unpkg to extract the files, moved the files to the correct location, and iPhoto is updated full and perfecly, and works like a charm. The problem is that process did not flush out iPhoto update from the App Store, so it still pops up with the update. How can I either convince Software Update that iPhoto is already updated, or get it to accept my Apple ID without a credit card? I bought the Mac Mini without any credit card, so why can't I update the included software in the normal way?

Sorry, I rarely make an original post, so it may be different for the initial question. For replies, I have about 15 minutes.
Sorry, can't help with the credit card issue. It doesn't scare me, so I've never spent any time delving into the issue.
The Mac App Store has a support link in the Quick Links section. However, I imagine they are just going to tell you to enter your credit card info, but may be worth a try. You may have to aks to be elevated beyond the initial script reader that responds as that is all they likely know.
EDIT: Another thought is to go in and Edit your account in App Store. It may need you to agree to a new terms of use/privacy policy type thing, but when it goes into that mode, it hangs on asking for credit card info. Again, not sure, but maybe worth a try.

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