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Question By
chevy4x41967

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Collection Agency Question.
I had a pre-activated cell phone that was turned over to collections. The company was bought out by another company and the new cell phone company and I solved the problem and they "0" balanced the bill and closed the account. So there is no account or money owed on this account. The bill had made it to a collection agency and has now made it to the 3rd collection agency. I keep trying to inform them that the account was taken care of with the debtor and they still keep trying to collect money I don't owe and also have a judgement on my credit report.
How can I fix this problem?

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Open dispute through reporting agency and send them proof of payment and balance 0 and it will be off your report. It happend to me before but i had to go through all 3 credit agency to do so it was headache. All 3 agency will provide once a yr free credit report as well. 

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"also have a judgement"

You may need the assistance of an attorney. At very least someone that can research this and guide you to the correct place to resolve this. If you let a bill progress all the way to a judgement then you do not have an inexpensive way to cure this. A simple dispute will not negate a judges ruling. Only an appeal, assuming you have grounds for an appeal, can do that.

Your only hope is that the judgement was placed on your credit report in error and it was actually for someone else.

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