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?
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