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Question By
Sandertiky

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Does all debts appear in the credit report?
I received a call telling me that I owe them money for a credit card. (Bank) they said it was open in 2004, but in my credit report does not appear what should I do? By the way they know my ss# DOB, and my current accounts. They just missed one of my addresses.

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Not all lenders report to all three credit bureaus.  Have them send you all the paperwork to make sure it's legitimate. Did you cosign on a loan or card perhaps? This sounds fishy to me. A ten year old collection should be dropping off.   If the debt was legitimate, a collection agency may be trying a last ditch effort to get their money. 

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