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Question By
sammywhammy1212

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question about collection
i just got a call from a collection agency saying i owe 1900 dollars on a capital one account. this account has been closed for over ten years. it doesnt show up on any of my credit reports and my score is good. did i mess up by answering the call? i'm confused, my credit score is higher than it has ever been so i dont want to jeopardize that but i dont want to pay money to a predatory type place. what to do?

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Do nothing and DON'T make a payment. The account is beyond the statue of limitations where they can take any collection action and is also more than 7 1/2 years old so it can't hit any credit report. This is a junk debt buyer the lowest of them all! Block the number and get on with your life. Best of luck!

Top Contributor
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19 People Helped

Also, do not ever state that you recognize or own that debt.

Though they may not be able to hit your credit, they can still have their statute of limitations reset upon your verbal or written recognition of such a debt.

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