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Letter from creditor


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I just recieved a bill from a collection agency. That got me thinking so I went to the credit bureaus and got my reports. There is absolutely nothing from this company on any of my reports. What should I do? If its not even on my credit reports should I worry about it? Any help that anyone can offer is greatly appreciated. Thanks

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I just recieved a bill from a collection agency. That got me thinking so I went to the credit bureaus and got my reports. There is absolutely nothing from this company on any of my reports. What should I do? If its not even on my credit reports should I worry about it? Any help that anyone can offer is greatly appreciated. Thanks

alot of times when you first recieve a letter form a CA it's not on your CR, usually because they just got the account and you have not been late on it with them yet

if you pay it within 30 days it likely never will show up, if you dont, it will likely appear on your CR

If i was you i'd DV them immediately, if they are able to verify the debt, try to settle for a lower amount, but make sure you have something in writing saying they will not sell the remainder of the debt or report it to the CRAs before you pay

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