I hope that you fine people can give me some advice here.
Long story short: 10 years ago I opened a joint account with my ex-husband. We shortly after got divorced, and I had forgotten about that account. Apparently he still used it for a while, and last year, it went negative, and he never repaid. I tried to open a joint account with my current husband, and was notified through the bank check-system about this old account. I immediately went to that old bank and settled the account (it was only $100, easy to resolve). This was September 15th.
Fast forward to today and I check my credit report through CreditKarma. I have a new collection notice on my credit history now, for that bank account, and to add to the frustration, they're reporting that I've only paid 80% of the $100 limit.
How do I take care of this? Do I contact the old bank? Do I contact the collection agency? Is there a way I can get this removed from my credit history? I unfortunately didn't keep the receipt (because I had thought it was taken care of in full, why would I need this? I'm rolling my eyes at myself so hard right now), but I feel like I should be able to get a copy of the receipt from the old bank (fingers are crossed). What would be the best way to proceed with this? TIA
Submitted October 28, 2018 at 10:43AM by lionschickie https://ift.tt/2OVTWem
