My wife and I went out today to see about a loan for a possible purchase of our neighboring lot(3 acres)
Go to the bank, got approved for the loan, but turns out pulling my credit I have 2 collections against me. I have never not paid a bill in my life. Divorce messed my credit a bit, but was shocked when they said I had collections.
What a racket this is. One is for Columbia Gas from 2012 when I sold my last house. I remember clearly calling them, telling them my house was sold, and I was cancelling. I needed to pay my last months bill for half a month. It was 45 dollars and some change. Wrote a check, paid it off. Now they have a collection out for me for 401 dollars of past due bills. They are sending me statements via email to tell me what they are for. Haven't received them yet. They have a record of my 45 dollars but can't tell me where the other 401 came from!
Dish network says I still owe them 200 dollars for not returning equipment, also 3 years ago. I do not have records, only my memory of boxing up the stuff in the box they sent and dropping it off at the UPS store. Called them argued up and down with them, and they said nope you never sent it back.
This is a complete scam in my mind. They can say you owe whatever, and you really have no recourse other than to pay it or get a lawyer and the cost of a lawyer would be well more than 601 dollars.
Going forward I am going to get everything in writing and freaking save it forever. I guess my lack of record keeping has cost me 600 dollars.