@Anonymous wrote:
@longtimelurker wrote:Assuming you would know if there was any way that you really owed thousands of dollars (e.g. you owed it to some instution that the CU has acquired) this is either a mistake or identiy theft (on one of the CAs you haven't checked. Can't assume SP on all three). Call and reference the letter with the account number and say you suspect identiry theft if their records are correct Is this for unpaid credit card?
Great name. That's me pretty much lol everyone with cards should be on this forum. Thanks for the reply.
I do have a payment arrangement with a bank for overdrawn account that said bank sent to collections, but I've been mailing them a check monthly, nothing on credit report, and it's a much smaller amount. I will look into this though to be sure something haywire did not happen.
This credit union is looking for about four grand that, and I'll keep saying it, I know nothing about. I'm hoping they're unprofessional and have me mixed up with someone else under the same name, but I'm preparing for some type of fraud going on here.
I need to check the other two credit agencies (EQ and EX) but a credit card would be on there as a hard inquiry no ifs, ands, or buts about it, right?? I feel like in the worst case it's a checking account that got opened as a soft inquiry, but still, I would see this soft inquiry on one of the three reports, right? Even if it's a lowly checking account that maybe a person used to pull a fast one on me (maybe random)
I do not remember if when I opened my own personal checking/savings accounts that if or how that reported on my credit reports, if at all. I just hope the credit union got me mixed up with someone else, but hope in finances is ridiculous I know.
I'm taking the rest of the day off to cool out and mull this over before contacting them again. Even though the letter and numbers and everything checks out I just did not want to provide my social right away.
Go back through your financial relationships of the past; then look at the given CU and see if they've acquired or merged with anyone... it could be a debt from some other institution.
It's likely it's more than 2 years old anyway, inquiries /shrug, you want to look at the tradelines, and should go get something like your Lexis Nexis report to see if they aggregated any public record which didn't land on your credit reports.
Armed with that I'd be ready to do battle. Statistically it's likely something got screwed up somewhere, but it's worth getting your ducks in a row. Also check the statute of limitations in your state, if you're struggling to remember a debt it's possible even if it is yours, it's so old it's unenforceable anyway.
All right. ChexSystems arrived yesterday as anticipated and drumroll please... ... there was......
NOTHING! 
Just my plain ol usual checking account business. Neat little report that is.
Well, that's all folks, right? Right? 
