Just added collection

[Anonymous]

I have a ca reporting as of 6-1-09 a 162.oo debt I had no knowledge about.I'm wondering how to go about finding out who they are and if it is legit(sorry if this has been answered before, but I searched and got no results) thankyou;Jack- PS the dola is 6-1-05 and the ca is 794yc0000,account # XACXT

[Anonymous]

You need to pull your report from a CRA.  Use this site to get a free one if you are eligible:

https://www.annualcreditreport.com/cra/index.jsp

Message Edited by guiness56 on 07-01-2009 06:09 PM

[Anonymous]

I pulled my cr and thats how I found out about the collection.

 myfico scorewatch free trial  eq 652 as of 6-29-09. collection is my only baddie(never missed a payment or paid late) 13 year credit history-utilization is high but I'm working on that. I need to get my score up to refi my interest only home loan

[llecs]

Use the report from the link above to first determine your DOFD. If inside your state's SOL or you don't have the $$$ to PIF, then don't do anything. However, if SOL expired or you have the $$$ to PIF, then start by sending a DV letter to the CA. If they verify and you agree, then send them a PFD letter.

I'd suggest reading the following:

Common Abbreviations

Credit Scoring 101 - great for knowing what is in your credit score and to see how your score is impacted.

and What Steps Do I Take - great for learning the repair process.