Hey everyone, Long story short, i had a major illness and got slammed with ALOT of medical bills and was losing control of finances FAST. In 2016 i filed Ch 13 bankrupcy and made all my payments. I didn't really have any creditors other than collection co. From my medical bills. I recently sold my house, dissmissed the bankrupcy and have been able to pay off all the creditors with the proceeds from the house , and had enough left over to put on a down for a new house. I am in escrow now. I called the last creditor today to pay off the last 2 bills. The operator told me I had 3 accounts due. I said no, i have 2, there def was not a third. She said I have 6k balance due on this 3rd account, and said notices had been sent to 2 addresses, and when she rambled off the addresses, i had no fucking clue....i have no idea they are not my addresses! She said the account was opened in 2005!!!! And was placed in collections in 2010!!! I have NEVER heard of it and it has never reflected on my credit report. They wouldnt give me much info about it, placed it in their dispute department for fraud. Noone to talk to in the fraud department today as its a Saturday. She was like talking to a robot, just kept repeating herself. I am FREAKING out that now they will report on my credit and it will fuck up my pending home loan. Wtf should i do? I was able to speak to a "manager" who said they are not actively reporting to credit bureaus, and it would not hit my credit. I have no clue what to do! Please help!
Submitted November 18, 2017 at 02:47PM by skippystew http://ift.tt/2mFkwuh
