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First credit debt collection :(
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Can they touch my credit report without establishing contact with me?0
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Agree with above DON'T CALL THEM! If you owe them money & you haven't paid chances are they have already marked this account with a default. Why not get a free month's trial on Experian to know for certain..I did & were pleasently surprised that this debt wasn't even listed on our credit file (for some odd reason!)0
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