My credit score

[Dunit35]

Originally Posted by mmaddog

In reality, if it was placed with a Collection Agency and was valid, regardless of whether or not it gets paid, it can remain on his Credit Report as long as 7 years.

The rules and regulations for the FCRA and the FDCPA are pretty straight forward.

mmaddog
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They said if I didn't do something by the end of the day they were going to do something about it...what were they going to do?

They made it sound like if I paid it off now it wouldn't hurt my credit but obviously it already did. The date on it said 10-1-08