Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Report
Profile Image

Question By

0 Contributions
0 People Helped
Why was a debt removed from my account even though I didn't pay it?
I had a collections agency after me for awhile regarding a property that I left. The property management claimed I owed a bunch of money but they wouldn't come up with any proof (estimates or receipts) of any of the work done that they "claimed" I owed them compensation for. I guess they hired a collections agency and they contacted me in January. Keep in mind, it's already been 5 years since I left the property. The collections agency put a collections account on my credit and then they told me they'd reduce the amount I owed and they'd take a settlement for almost half of what I owed. I said I would be willing to pay if they showed proof, but still have received nothing. I sent them a letter requesting proof of the debt I owe, and still haven't heard anything. I checked my credit report and all of a sudden that collections account has been removed. I disputed it originally when it was put on my credit, but the credit reporting agency said that it was a legit debt and they weren't going to remove it. Did the collections agency remove it? And if so, does anyone have any speculations as to why? Did I spook them? Did they realize they really don't have proof? Are they planning on taking me to court? Did the credit reporting agency realize that it wasn't legit? I don't know what to think, and frankly, I'm a bit bothered by it. Like the calm before the storm kind of thing. Has anyone else dealt with this before? I'm baffled.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.