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Valued Contributor
tooleman694
Posts: 2,297
Registered: ‎08-25-2011
0

OMG missed a call

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.

Valued Contributor
JM-AM
Posts: 3,302
Registered: ‎06-09-2010
0

Re: OMG missed a call

If its from a collection that ran its course on your reports for the 7-71/2 years, it can not be put back on your reports. Best to ignore.

Now if its something you overlooked then you may have issues.

Always possible was wrong number and nothing to concern yourself with.
Good Luck
May all your dreams and wishes become a reality!
Frequent Contributor
NewbieReed
Posts: 443
Registered: ‎12-05-2012
0

Re: OMG missed a call

Dont stress out. Breathe. Stretch.  It's investigation time!!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
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Valued Contributor
Mike_B03
Posts: 1,146
Registered: ‎11-30-2012
0

Re: OMG missed a call

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.

Valued Contributor
tooleman694
Posts: 2,297
Registered: ‎08-25-2011
0

Re: OMG missed a call

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.

Valued Contributor
JM-AM
Posts: 3,302
Registered: ‎06-09-2010
0

Re: OMG missed a call

Dont stress over it.

I know thats easy for us to say we arent dealing with it, but we are all here for you.
Good Luck
May all your dreams and wishes become a reality!
Valued Contributor
tooleman694
Posts: 2,297
Registered: ‎08-25-2011
0

Re: OMG missed a call

JM-AM

 

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?

Valued Contributor
JM-AM
Posts: 3,302
Registered: ‎06-09-2010
0

Re: OMG missed a call

Personally depends on your relationship with your lo.

I dont think you have anything to worry about. Junk collectors are just annoying.

Look at your reports yourself. No INQ that way. Check them weekly make sure nothing pops up.

This is one of the reason you opt out. Junk collectors prey on this.
Good Luck
May all your dreams and wishes become a reality!
Valued Contributor
JM-AM
Posts: 3,302
Registered: ‎06-09-2010
0

Re: OMG missed a call

They could pull credit again just before closing. YMMV
Good Luck
May all your dreams and wishes become a reality!
Valued Contributor
tooleman694
Posts: 2,297
Registered: ‎08-25-2011
0

Re: OMG missed a call

I never opted out.


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