04-27-2013 03:27 PM
04-27-2013 03:40 PM
No they did put it there intentionally, but when pressed and questioned (over the phone), it was labeled as a “mistake”. That’s why I would never communicate with another collection or debt recovery firm unless it was in writing.
It took me 6 years to go from a credit score of 409 to 881. Some of the things that happened were in my control, some not. But I do know first-hand what worked for me.
04-27-2013 04:09 PM
04-27-2013 04:21 PM
What you described reminds me of a zombie debt that is no longer in the credit bureau's system, but the debt collectors will attempt to put it back on there via phone conversation. Funny because that crossed my mind when I was talking to her (the lady on the phone.) about my initial debt and this old debt from the 1990's comes into the conversation. I'd told her that I don't remember the debt, but she played it cool as if she was warning me, helping me and adding that I can either pay it or ignore it due to it being a debt that's far beyond the 7 year old debt. So I'd asked what is the account number so that I can see it and called the actual source of this so called debt.
04-27-2013 05:29 PM - edited 04-27-2013 05:32 PM
This is the best I can do at the moment.
It's a FAKO called a VantageScore.
ETA...it runs on a scale of 501-990 vs. FICO's 300-850.