I check my credit quarterly and I noticed tonight a collection listed from an MCI accont dating back to 2001. The Collection agency has had the account since 2004. I contacted the collection agency and while they had my correct phone number on record, the address had the wrong city. They confirmed that they have had returned mail. So, attempts to contact me have been futile. I don't have any record of them calling me either. The debt is only for $50! It seems to have dropped my credit about 70 points.
First, can I be held accountable for this since they had the wrong address?? Also, I really have no idea if this account is even valid. I might of had MCI for long distance for a short period of time, but, this was 5 years ago. I disputed this through Experian and I am waiting for the results. Anyone have advice as to how to get this off my practically spotless report. Even if I pay the $50, will it increase my score or must I attempt to get it removed for that to happen.
2006-09-13
16:11:58
·
8 answers
·
asked by
Damian
1
in
Credit