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youngABP123

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Have a derogatory mark but I did not purchase item, what should I do
I clicked on full credit report to find out that there was an account that I had no idea of. It is a closed account and it has a derogatory mark and it went to collections/chargeoff. What should I do? Should I assume identity theft?

Please Help, any advice will be appreciated, Thank you

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Top Contributor
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I'd suggest disputing it but before doing so I highly recommend carefully researching on sites that specifically deal with taking care of collections to ensure that you don't do anything to make your situation worse.

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