Resolve Call Visit

ScottieK1806

I had someone call at my door today and they posted a notice through the letterbox saying I have an outstanding debt and to contact them. I was bankrupted in 2002, discharged in 2006 and have not missed a payment on anything in over 15 years. My credit score is in the excellent band. What should I do- ignore them? 

MorningcoffeeIV

Ignore your credit score first, before ignoring anything else.

Then check your file to see if anything appears.  Was this 'notice' addressed to you?

born_again

Do you owe anything since you were make bankrupt?

Remember statue of limitations & 6 year on debt, although they can still chase.

ScottieK1806

Hi, no, I have never missed a payment on anything after my bankruptcy. My ex-wife took out provident credit in my name in 2009 which she defaulted her payments on. We divorced in 2011 but I cleared that debt off when I was contacted regarding it- nothing since then.

ScottieK1806

MorningcoffeeIV said:

Ignore your credit score first, before ignoring anything else.

Then check your file to see if anything appears.  Was this 'notice' addressed to you?

Yes- it was marked for attention of me.

ScottieK1806

ScottieK1806 said:

MorningcoffeeIV said:

Ignore your credit score first, before ignoring anything else.

Then check your file to see if anything appears.  Was this 'notice' addressed to you?

Yes- it was marked for attention of me.

And there is nothing on my file at all. I subscribe to credit expert and there haven't been any searches I'm unaware of

MorningcoffeeIV

Credit expert only looks at Experian. You need to check all three files.

ScottieK1806

MorningcoffeeIV said:

Credit expert only looks at Experian. You need to check all three files.

I have a score of over 900 on Clear Score also that gleams info from equifax- I've no missed payments showing there either.

MorningcoffeeIV

Again, ignore the score. They're just there for fun.

Look at the data on each. Check for the status of any and all accounts.

Don't forget to check TransUnion. (And no, their score isn't real either.. )

ScottieK1806

MorningcoffeeIV said:

Again, ignore the score. They're just there for fun.

Look at the data on each. Check for the status of any and all accounts.

Don't forget to check TransUnion. (And no, their score isn't real either.. )

All accounts are either doing well or cleared. No judgements showing, no debt collection agency searches showing. I think they are chasing a very old pre- bankruptcy debt. Should I ignore them? No details have been given even to what the debt is.

fatbelly

It'll be too old to show on your credit file.

Probably a bankruptcy debt.

Did resolvecall say who they were acting for?

Find out, then send that company a prove-it letter