they never contacted me (lucky me from what i read) they just showed up on my credit report in Oct. 2008 with a collection that is OVER 6 years old.
I never even knew i had a collection out there. And if this is the same collection i think it is..it was paid in full back in 2005 to a different collection agency..
This has caused 1 credit card i have to close my account due to this negative on my credit report. and dropped my credit score by a large number.
I have failed a FTC complaint you all should to