Looked at my phone had a missed call and no voicemail left. Did a reverse lookup and its from a collection agency!!!! Iv never heard of them and have no clue what this could be about. Going nuts, im like a month away from going back into underwriting. Dont need some junk debt CA going after me for some debt from years ago I dont even remember.
Why does this crap happen. Iv gotten nothing in the mail, and my credit doesn't show them.
Dont stress out. Breathe. Stretch. It's investigation time!!
I wouldn't sweat it too much yet...it could be an old debt that has already fallen off the credit reports and they can't put it back on there. I still get collection letters from junk debt buyers for accounts that have aged off my reports.
I hope its nothing, iv spent the last couple years fixing everything and making everything perfect so I could get this new home. Can't let a collector ruin it all at the last minute.
Should I go ahead and contact my LO and have them repull me?
we close April 2nd, will the report be good enough till then? im good for 90 days right?