I am trying to get a mortgage and have an offer out, and have made good headway into repairing my credit score. But recently I came across emails that were going to a spam folder, from a company First Source Advantage. Apparently these emails first started in or near Oct 2023. They're saying they represent Velocity Investments, LLC, and that they're trying to collect a debt of about $600. This account is not currently showing on my credit report and I'd like it to remain that way. I also found emails from a group called Debtsy that apparently were trying to collect the same debt account before First source. I believe the original creditor charged off the account in March 2020. None of these instances are reflected on my credit report. What do I do? Does First Source negotiate pay for delete? But I don't need a pay for delete, I need it to not be reported in the first place. I'm worried that even if I offer to pay, they'll report it as settled. Which would bring down my credit score. And it's been years since the original account was charged off. And over a year since the earlier agency had it. How do I navigate this?
