IT IS NOT MINE!

[Anonymous]

The issue I have...is a company sent a catolog to my home a few years ago.  It had some kind of pre-approval in my name.  I just recently found out, that my SIL stole the magazine.  Posed as me, and ordered items in the catalog.  Never paid them.  Now I have a collection account against my credit.  (she just admitted this to me.  She is willing to pay the full amount of the due.) 

I had been disputing this for years.  Stating it wasn't mine.  Now I find out it was my sil all along.  What would you do?

[Anonymous]

I answered you in the other thread-

Police report.

ftc affidavit of fraud- http://www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf

They can not legally report this if it is FRAUD.

Did she use your address or another?

Then it is up to you if you persue charges and/or sue for damages.

[llecs]

Tough spot to be in....you mentioned a few years ago, maybe you are close to CRTP at 7 yrs.

You could take her money and pay the CA. I would DV first to get an accurate balance and then follow-up explaining what happened in a PFD for 100% of the amount due.