Reader Questions

Can a Collection Agency Send Information to a Credit Bureau Even if They Never Contact You? – Denise

Excellent credit score….found out a charge off for $13.00 recently-then they closed credit card. I was never given a statement or mailed a collection notice or even called about owing a debt to the card company. I have not received a statement in 3 to 5 yrs because I normally dont charge anything. Was amazed when called they had all my old information-been at my new address for the last 3 yrs. filed taxes, same employer for 5 yrs-yet they never got a hold of me..to notify of the balance now they say theres nothing they can do-did they do their job by trying to find me?

Can a collection agency-send it to the credit bureau if they did not ever contact you by mail, letter, or phone, or even notify you of debt owed.-I would have gladly paid $13.00- how can they close your account without notifying you?
Please help!

Denise




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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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