ANSWERS: 5
  • I'm not sure why it wouldn't be showing on your credit record, but pretending a debt doesn't exist is generally a bad idea. What you might want to do is contact the phone company and see if the status of the debt is valid. If they are aware of the outstanding balance, they can sue you whether or not it's in your credit file. Call the company and ask for the status of the account. Good luck.
  • have you checked ALL the credit file companies? you said that it is not on your file, but which one have you got. it might be on another. and before they sue you they have to give you an oppotunity to pay the debt, if they tried to sue you, you can use as a defence the fact that they havent given you an oppotunity to pay it.
  • Did you pull all three credit reports? There's experian, equifax, and transunion. Many times a company will report to one but not the other two. It could be on one of the other credit reports. Did you check all three??? Some companies may report to two companies and not the third one. Just because you got a report pulled doesn't mean it's not reported..its probably just the case that you didn't pull the report from the credit reporting agency that this company reprots to! Go to each reporting agency and get your report and see!
  • When the company sends the account to an agency or sells it, the third party will report it. It will appear at some point. I had a roommate tell me he paid a gas bill in 1989. I was applying for a car loan in 1996 when the gas bill first appeared on my credit report.
  • Credit was a horrible system to implement on the American public. People just keep borrowing for cars, houses, vacations, food, gas, etc. This has caused almost every person to live outside of how they should. Taxes keep rising to help support people that cant support themselves due to this crazy culture status society that we live in......... Wait another 20 years, the average person in America will be broke and have horrible credit, creating an economy that is stagnant and unresponsive due to credit.

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