I am sorry to hear you going through this. I have had to and am still dealing with instances like this on my credit. Fortunately there is a way you can get this deleted off your credit report, however you might still have to pay the balance now that you are aware of it. I have gotten things deleted off my credit report multiple times for this very reason. What you need to do is call the creditor and credit agencies and let them know that you were unaware of the bill, due to the fact that you never received it and never knew it existed. Inform them that it is determined that this was because of incorrect billing procedures and for that basis to have this deleted off of your reports. Simply reiterate there is no way you could of known about this bill because you never knew it was there if you would of known you would have paid it. Since you did not know it was there and never received an itemized bill to pay it preventing it from going on your credit it is unfair to report it. You need to dispute it with all (3) credit agencies under the term "incorrect billing procedures." Also right down names and dates and any agreements to have it deleted from the person(s) you spoke with over the phone. Hope this helps , Be Blessed!!
