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Jefferson Capital sent a collection for a Sprint bill. Haven't been on Sprint in 10+ years
Posted on 1/12/24 at 12:15 pm
Posted on 1/12/24 at 12:15 pm
Any advice on how to handle nowadays?
It used to be that just contacting the debt collector ran the risk of "resetting the clock" on a charged off account.
They acknowledge they can't sue for it because of the age (although they don't specify the age).
I'm inclined to ignore it, but don't want this going to my credit report. My credit is great.
Thoughts?
It used to be that just contacting the debt collector ran the risk of "resetting the clock" on a charged off account.
They acknowledge they can't sue for it because of the age (although they don't specify the age).
I'm inclined to ignore it, but don't want this going to my credit report. My credit is great.
Thoughts?
11
Posted on 1/12/24 at 12:23 pm to Meauxjeaux
Jefferson Capital seems to be a scam.
If they try to ding your credit, you can dispute that with the credit agencies.
If they try to ding your credit, you can dispute that with the credit agencies.
Posted on 1/12/24 at 2:31 pm to Meauxjeaux
Iberville Parish had collectors calling me for a few years about one of their BS speed trap tickets I tossed in the trash. Ignore it.
Posted on 1/12/24 at 5:21 pm to Meauxjeaux
A collection agency dinged my credit report on behalf of AT&T last year for a phone that wasn’t paid for. Had my name and used a different address. I disputed with the credit agency and they said it was legitimate.
I called AT&T and they have their own fraud department and they cleared it. Check with Sprint in case your credit agency doesn’t come through.
I called AT&T and they have their own fraud department and they cleared it. Check with Sprint in case your credit agency doesn’t come through.
This post was edited on 1/12/24 at 5:21 pm
Posted on 1/12/24 at 9:20 pm to Meauxjeaux
quote:
10+ years
Age is your friend.
Most states 3+ years they can’t sue
7+ years they cannot report to the credit reporting agencies unless you make a payment
I have a Verizon bill that gets dropped off the Credit reports this year. They even started emailing about it, but I ignore them.
Posted on 1/13/24 at 6:27 am to Meauxjeaux
quote:
It used to be that just contacting the debt collector ran the risk of "resetting the clock" on a charged off account.
I would ignore it.
I don't think just contacting the collector ran the risk, but a partial payment would likely reset the clock.
Posted on 1/13/24 at 8:04 am to Meauxjeaux
Posted on 1/14/24 at 8:26 am to Meauxjeaux
I have a Cox debt for $300 that shows up on my credit report every 5 to 10 years. Not mine and I just dispute it with credit companies and they remove it.
Posted on 1/14/24 at 9:45 am to Meauxjeaux
quote:
I'm inclined to ignore it,
quote:
My credit is great.
This is why you should ignore it. No one cares about these bullshite collections. They aren't a blip on your credit.
Have you ever needed to get a loan and were unable? Do you think some Sprint bill is going to change that?
Posted on 1/15/24 at 7:20 am to Meauxjeaux
Definitely ignore it.
Posted on 1/18/24 at 10:49 am to Meauxjeaux
quote:
Haven't been on Sprint in 10+ years
Did you owe them money back then though? Did they send you a final bill, and you did not pay?
Posted on 1/18/24 at 10:04 pm to Meauxjeaux
I still get letters in the mail from a collections agency for a jay walking ticket in Houston in 2008. Throw them away just like I always have. I’ve lived in 5 different places since then and they’ve found me at every one
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