a little over a year ago, my wife and I split up, but luckily it only last a few months and I came back home. However, during that time, I did get an apartment and some utilities, then when I came back home I had to break my lease, etc to come back.
So now i have a few collections on my account, the collection for the apartment lease and 2 collections for an ATT and TXU bill.
I have tried disputing them all on the CB websites about 6 months ago, and they didnt come off. I think I chose the option no knowledge of this debt or something.
Anyway, I was just thinking, when I moved into that apartment and when I moved back home, I never did a change of address, everything still went to my house where my wife was living when I was in the apartment (except for the utilities to the apartment), then when I came back home, I never did anything.
So here I am a little over a year later and I never received any paperwork from these CA and I assume why, is because they probably sent them to the apartment address since they know nothing of my home address.
is there some kind of loophole or something I can do to have them removed considering I never received any paperwork?
Starting Score: 498 (Jan 2013) Current FICO 8: 687 EQ, 683 TU, 700 EX Goal Score: 680
Re: Never received a single piece of paper from CA
Actually no. All they have to do is say they made a reasonable effort to contact you, hence sending the bill to the address of the service. I would try a PFD.
Starting Score: 504 July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013 Goal Score: All Scores 760+, Newest goal 800+ Take the myFICO Fitness Challenge Current scores after adding $81K in CLs and 2 new cars since July 2013 EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.