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Anjoy2

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Hi all. I have a question that not even my lawyer can answer.
So I recently had a freeze put on my bank for a debt I never heard of and all 3 credit reports are clean and my FICO score is in the 700's. I have NO collections on any of my reports. How can this happen? I am paying 4 grand to get rid of this but it really feels wrong. Anyone ever had this happen?

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Your credit reports has nothing to do with it, as your liability to any debt isn't dependent whether it's on your credit report or not. Creditors/debt owners/collection agencies aren't required to report to Credit Bureaus, the public records rarely if ever reported by the courts themselves. It takes "legal" action to levy/lien/frozen someone's bank accounts, so there definitely is a paper trail. YES any half a#s Lawyer can easily trace where/who it came from, and able to tell if the legal action(s) were legitimate or properly done.

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