on my credit record? In 2008 I had my Bell cell phone cut off because i missed some payments. Just this month a creditor has contacted me in regards to this account. I checked my credit report and I do not see any record of this delinquency. When D and A collection agency said I owed them $300 I told them that i had no record of this on my credit report and she stated that if it is not settled by the end of the month it will be. My question is if the account has been wrote-off by bell and it has been almost 3 years without showing up on my credit report should I still pay this amount to the collection agency?... can it still be added to my report by this agency? It just seems that bell would have submitted a report already unless they do not know my SIN... I don't know what should I do, I dont mind paying, but if its not going to do harm to ignore it then why not.
Thanks!
Thanks!