Can you enjoy debts contained by collection if they don't appear on your credit reports?? I have a company trying to collect a debt of approximately $10K

I have a company trying to collect a debt of approximately $10K from when I be in college a few years ago and they voice that they are collecting on behalf of the college. I have be looking through my Equifax and Experian credit reports and neither one shows any sort of mention of this debt or the name of the company trying to collect the debt.

I enjoy gotten notices from this company and they appear legit ( http://www.windhampros.com/), but it seem weird to me that at hand is no mention of this debt on the 2 reports.

Now to the questions ... if it is not on these reports, it shouldn't affect me if I apply for other credit or alter my credit win, right? I may need to bring a car loan soon as mine is on the channel out unfortunately. Also, how can I check out the legitimacy of this debt if it's not on my credit report??

Any info would be greatly apprecated!

Did you check TransUnion? Sometimes the debts will initially only show on one of the credit reports. My girlfriend have the same problem. The debt one and only showed on TransUnion until it actually go into a collections account, consequently the others picked it up.

You can definitely owe money that doesn't turn up on a credit report. I even enjoy a judgment against me that isn't on mine. If it's not on your report, it shouldn't affect your evaluation. It may have even come stale your report because of the amount of time that's passed.

I would ignore them if it be me. There won't be a whole lot they can do it 10 years own passed and they have not done anything even so.

Answers: The relation you provided didn't work so I couldn't figure the company out.

Yes, you could still owe the debt lacking it appearing on the credit reports. For whatever object, they may not have reported it. However, if they've turned it over to some supposed collection agency, I find it awfully odd that it be never reported so I'm finding it a bit suspicious.

Do you owe money from that time period that you didn't repay? Did they explain to you who the original creditor be? Check the statute of limitations for your state of residence and see if the statute has passed. It's different contained by different states so it could be as few as 3 years or as many as 10 depending on what state you live surrounded by.

I would dispute the bill and make them dispatch you proof. If the statute has run, in recent times dispute it and ignore them as they can't sue you anyway.

Here's a connection to check the statute of limitations for your state. If it's not on your credit report then it isn't affecting your chalk up. However, if they could still report it unless it's more then 7 years ripened. Don't acknowledge that you owe it. If you do, they'll definitely stick it on your report. Just dispute it and see what they do subsequent. If you dispute it, they are required to prove that you owe it, which means going put money on to the original creditor and getting adjectives the info.

Yes you can owe the money, they just own not reported it to the credit rating bureau. I would check the 3rd before you acquire too excited it is possible it is there. If it is not on the concluding it will not effect your credit, but you also don't know if they will report it in the adjectives, so you will have to check previously you try to get a loan.
If they are trying to collect a debt they will own the specifics about it, similar to who you borrowed it from and when. I think I would remember borrowing $10,000. If you don't remember it you can dispute it and they will enjoy to come up with some written documentation of the debt.

also, they can submit it for reporting at any time, but the starting date MUST (by federal law) be a absolute time period, therefor, they can not submit it if its too behind the times.

there are rules they enjoy to go by... and statue of limiations:

CREDIT REPORT INFO / REPAIRS
http://www.kiplinger.com/columns/startin...

http://www.bankrate.com/brm/news/cc/2004...

https://www.annualcreditreport.com/cra/h...

http://www.bankrate.com/brm/news/forms/c...

http://www.bankrate.com/brm/news/bankrup...

http://www.bankrate.com/brm/news/forms/c...