Bad Credit Agency

Collection agency is requesting payment of a debt that is not even listed in DH credit report. What to do?

When I married DH I new he had a ton of consumer debt and didnt even know where he stood. Once we took out his reports we noticed that a collection agency that has been asking him to pay off a Sears debt....is not even on any of the 3 credit reports. He doesnt even remember if he owed them money. Who should I contact to get records of this debt? Can sears still help? Do I have to pay this debt even if its not on a credit report?

Public Comments

1. Reply to the collection agency in writing (it has to be in writing to be legal) and dispute the debt. By law, the collection agency has to either provide proof that the debt is your husband's or they have to stop contacting you and write off the debt.
2. When you write the collection agency, send it certified mail so you'll have proof they recieved it. Include a copy of the federal fair debt collections act.
3. The Sears credit card portfolio was purchased by Citibank so you would need to contact them. The fact that it isn't on the credit report shouldn't be the determining factor for paying it. If DH owes it, he should pay it. If not, he shouldn't.