What do I do now?

First, call the collector. 

  • The credit
    should have the contact information for any creditor
    reporting on your credit report. If not, a simple internet search
    of the name of the company reporting on your credit file will lead
    you to them. Call them and find out about it; they will be more
    than willing to tell you what it is for and what you owe. Get a
    copy of the bill from them, and if it is owed, promptly pay

It is extremely important that you mention to the collector that
you never received a bill in the first place.

  • Collectors take notes of most of their phone calls, so you want
    to get that comment into the notes if you can. Clearly explain that
    you dispute having this on your credit report, because you would
    have paid the bill before it went to collections.

Next, dispute the item on your credit report

Make sure your dispute is clear and includes the following very
important points:

  • You did not ever receive a bill or a notification of any sort
    that any money was still owed for the services.
  • Upon receiving notice of the outstanding bill, you promptly
    paid it.
  • You dispute having a collection appear on your report as you
    were never given the chance to pay the bill in a timely

The credit reporting agencies will conduct an investigation and
respond to you with the results of their investigation within 30

*If your credit
is not cleared up, you have rights. Contact