i had a charge rotten on a credit card with a symmetry of 4500 in 2003 . The credit card company quit calling and sending packages so i thought they gave up. I am wanting to buy a house so I go online to check my credit score and notice an open report from a collection agency called unifund within the amount of around9000 dollars . I have never received a note or phone call from these inhabitants . It has really hurt my credit. What should i do?

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Answers:    Contact the Collection agency within writing (calling dont count). Ask them to provide validation of this debt. DO NOT provide personal information other than adress. If the you dispute the charges contact your states attorney common and file a complaint.
A apt place to find information on a Buisness is Rippoffreport.com. But be aware that sometimes there are bogus complaints their. However, If a company have numerous complaints then probability are theres something wrong.

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Pay it. That is the only agency you are going to improve your credit ranking. I realize that this is not the answer you wanted, but it is what you must do.

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