Freeze? or ?
07-22-2007 03:13 PM
5 years ago I bailed a long time friend out of jail. He made a stupid mistake while on vacation in Vegas. He later told me he had paid a fine and everything was OK, With 15 years of friendship behind us I never thought about it again until a collections agency from the bond co showed up on my credit report. As it turns out he never hired a lawyer and just ignored it. This sort of thinking is probably why we are not friends now. I had the collections people contact him but I was wondering if it was adventatous to freeze my credit report or add a note to it. Also can I request my address be changed to a PO Box? Prior to this incident my score was close to 800 +/- now its around 650 due to this - any advice?