It is not unusual for consumers to find a debt that does not belong to them on their credit reports. When you call the company — a debt collector or a creditor — the response is often
“Ok, maybe this is not your debt but if you will just pay it off then we’ll get it off your credit reports. And I’ll tell you what — since I’m a nice guy — we’ll let you take 25% off of the amount.”
What should you do? Here’s our suggestion — if you don’t owe it. Don’t pay it.
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If you have had problems with being harassed by debt collectors or you have bogus debts on your credit reports and have questions or concerns, feel free to contact us through our website or by calling 205-879-2447.
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