My wild guess would be "notorized = under seal" But thats a non-lawyer speaking. You do need to be sure about that however.

JenTay PAY IT.

I've seen way too many deals fall flat because someone didn't pay a stupid little bill because of principle or get pounded by interest rates. If the item is already on your credit report don't pay unless they take it off. It may seem odd but if you pay the bill that is already on your credit report it will renew the account and the 7 year clock starts ticking again.

If the creditor is bugging you you can fax them a stop call letter and they have to stop.

I had a phone bill on my CR from school daze and once I found that is was there I paid it and my credit score dropped, so lesson learned.

Browse this site:


http://www.creditwrench.com/

What I mean is part of your credit score is based on how long you have had credit, so the older you are the better the age score they can't discriminate based on age but they can discriminate based on how long you have had credit.

Me and her have the same birthday....!

I bet she's hot.

:dj:

I've been haggling with a collection agency for 4 months now. Seems like at some point someone fraudulently opened an account with T-Mobile and I had a charge -off and subsequent entry from a collection agency which dropped my score from 675 to 598. I guess the 2 negatives at the same time hurt a lot more.

Anyway, after calling several times and writing 2 letters, T-Mobile acknowledged that the account was not mine and all negative entries were removed. My score jumped up 60 points in 3 weeks.

I would definitely send a letter or 2, demanding that they show documentation that there was a contract. I don't remember pager companies having contracts anyway.

Additionally, not all collection companies report to credit bureaus. If I am not mistaken, there is a fee with being able to do so. So if it's a rinky dink collection agency, they may not report it.

I suggest getting a copy of your 3 in 1 report and seeing for yourself.

:rifle: the collection agency.

My wife just got a call from a collection agency regarding some 59.00 balance that is 10 years old, prior to us getting married. I told the broad about it being so old and not being on her report anymore. She told me that they will put it on if she doesn't pay.

I asked her, if she ever heard of the fair credit reporting act and she hung up on me.:)

My wife just got a call from a collection agency trying to collect on a 10 year old debt that was a result of her wallet getting stolen 20 years ago:mad: Fixing that was an adventure and a half, I don't think this site has the bandwidth to post the story.