Reply
Member
gardawg
Posts: 9
Registered: ‎04-02-2007
0

paid in full / still in collections need advice

I paid off a leased computer seven years ago.
last week recieved a collection letter from attorneys office.This matter has never been on my credit report and still is not. need advice thanks
Moderator Emeritus
Brammy
Posts: 5,436
Registered: ‎03-10-2007
0

FTC



gardawg wrote:
I paid off a leased computer seven years ago.
last week recieved a collection letter from attorneys office.This matter has never been on my credit report and still is not. need advice thanks


 
Do you have your proof of payment?   Can you contact the company you leased from and have them contact the attorneys office.  Sounds like zombie ebt.  I would let him know that the debt was paid over 7 years ago and that you wish no further communication unless he can prove you have a valid debt from the original creditor.  Go on to inform him that if this matter appears on your credit report you will contact the FTC with proof of pymnt and seek recovery for damages to your credit standing.
 
 
Send everything certified return receipt.  CC the FTC.

Senior Contributor
Noah_Bodie
Posts: 4,635
Registered: ‎03-11-2007
0

Do you have any docs to show you PIF 7 years ago? Does th...

Do you have any docs to show you PIF 7 years ago? Does the letter from the attorney state a date from 7+ years ago? If yes and yes, then send 'em a FOAD letter.
 

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+