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007lastlick

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how can i pay what is on my credit report if don't know what ERC is about.

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You will find the information about any accounts you owe when you get your fullcredit reports (which you should be checking each year) from annualcreditreport.com.  All contact information should be there and you should file disputes on all WRONG information with the credit bureau reporting it.  I just did a Google search and found ERC is Enhanced Recovery Systems, which is a scumball debt collector that does not have a favorable reputation.  How to deal with debt collectors is spoken of in the articles on this site.  If you haven't read them, please do.  It's worthwhile reading.

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