Should I repay this bill from a collection agency?
I received a call out of the blue from a collection agency. It is for an old MCI bill that is to say over 6 years old for sure. I recall it self on my credit report years ago, but when I pulled my report last month, it wasn't there. I figure it dropped due to the statute of limitations for my state. Well, they said they sent a notice in March; however, I didn't receive it. I told them I wouldn't pay packet it without a statement in writing which they refuse to send. My question is this - in a minute that they have contacted me, will this bill reappear on my credit report? Also, I just received a small amount of money from an inheritance. I am working to reward bills from my credit report first - should I pay this one or forget about it? They said they would not send for me again (I asked them to call back after I could check my records). Any warning?
Answers: If i were you i wouldnt pay it. I would maintain checking your credit report, and let them contact you again, and get a statement contained by writing about the amount due, with the portrayal number and details.
This sounds kind of fishy, it could be some kind of fraudulent setup.
Good luck!
=)
The Fair Credit Reporting Act states that derogatory items approaching this may only be listed on your credit report 7 years from the date of delinquency. NOTHING can reset this clock, so they cannot *legally* place this hindmost on your credit report.
You also mentioned your state's statue of limitations. If this has indeed expired, you no longer have a lawful obligation to repay the debt. In that case, I'd transport this collection agency a cease and desist letter and be done beside them.
Don't pay it. Let them call you put money on. If they are legitimate they will show more proof. I suspect they're frauds.
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Answers: If i were you i wouldnt pay it. I would maintain checking your credit report, and let them contact you again, and get a statement contained by writing about the amount due, with the portrayal number and details.
This sounds kind of fishy, it could be some kind of fraudulent setup.
Good luck!
=)
The Fair Credit Reporting Act states that derogatory items approaching this may only be listed on your credit report 7 years from the date of delinquency. NOTHING can reset this clock, so they cannot *legally* place this hindmost on your credit report.
You also mentioned your state's statue of limitations. If this has indeed expired, you no longer have a lawful obligation to repay the debt. In that case, I'd transport this collection agency a cease and desist letter and be done beside them.
Don't pay it. Let them call you put money on. If they are legitimate they will show more proof. I suspect they're frauds.