pay the collection agency, then check what their report is about you, if not good threaten to get a attorney and bring suit
I am a professional debt collector and would say the best answer would be to either contact your credit card company and see to whom they sold the debt, as they no longer own the debt and therefore can not help you rectify the situation. The other option would be to pull a credit report on yourself and check to see if the collection agency is on your report, or if there was an inquiry on your report from a collection agency.
They'll find you! Check your credit report, chances are the collection agency name and address is lurking!
I have one colletion agency that has pulled my credit report. I really felt violated. He started telling me about all the stuff on there .. and that I should be able to pay. Either I pay it off in the next 6 months or I'll be sent to court. Is what he is doing legal? Thanks! Legally, no. Check out the below link http://www.creditinfocenter.com/wordpress/2008/08/06/can-collection-agencies-pull-your-credit-report/
== == Make sure that you get your most recent credit report. You can go to AnnualCreditReport.com, and pull a three bureau credit report for free. Once you have your report check to see what the Date of Last Activity is on that collection account. This will determine if you have a collection that is older then the statue of limitation.
An individual landlord is not able to directly report a tenant to a consumer credit reporting agency such as Experian. If you decide not to obtain a judgment in small claims court, then you can turn the account over to a collection agency, who is able to report the outstanding debt. However, the collection agency will get 30%-50% of amounts they collect. If you do obtain a judgment, it is a public record and reported to the consumer credit bureaus automatically. Actually a landlord can report debt as a collection account for less than $20 per debtor. Check out my blog at www.thelandlorddoctor.com or contact me at Bill@thelandlorddoctor.com
When you check your credit report there are several sections, one is called collections account. You will be able to review collections account directly after judgements, if any are listed on your report.
Well, check your states statute of limitations. If the SOL is up then tell the company to stop contacting you are you will sue them for harassment based on the fact that they have no claim under your state's SOL. The collection agency will try to say you still "owe" and I guess you do if it is your debt but you no longer have any legal obligation to pay.
No, it will show on your credit report as a paid collection/judgement and will fall off of your credit report in 7 years. After you pay the debt keep all receipts and check your credit report in about 60 days to make sure they reported it as paid. Many collection companies never report it paid.
Can a collection agency file charges for a bad check
You can check your credit report online. You should go to www.experian.com or www.myfico.com or www.equifax.com/ to check your credit report. It is easy to do.
It depends on what type of report you get. The cheapest form of credit report won't actually tell you the actual score the agency has for you - just show general information which you can check to see if there are any errors that need correcting, or old information that ought to be removed. They also have a subscription service which will actually detail a credit score which should be clear in the report, however each agency will have it's own criteria to which you are judged and you will find the score differs across each credit agency.