Judgement supposedly issued, but not on my credit report?
by Alice
(Ridgefield, Wa)
In November of 2009, I received a letter in the mail from collection agency XX stating that a judgment had been issued against me (relating to a credit card bill that is now about 8 years old). It is now November of 2010, and I have received nothing else in writing from them since that letter. I no longer have the letter; however, I did just pull all three of my credit reports today, and there is nothing in any of them that shows a judgment. (I checked the big three). Added to that, the credit card debt is so old that it doesn't even show up on my credit report any longer. There is also nothing from collection agency XX in my credit reports.
I am afraid to contact the collection agency directly, and I have no idea what to do. Can you give me advice on where to start? I live in the state of Washington.
Thanks.