I just refreshed TrueCredit and Experian posted a new collection on my report today. I have never heard of The Affiliated Group or KNS Funding and I am certain that I don't owe this money. I haven't received anything in the mail from them. It's only $132. Should I just write them and ask for a pay for delete just to get them off my back? I have had so much progress and now here's another collection coming to haunt me!! Please advise! THE AFFILIATED GROUP I Creditor Name: THE AFFILIATED GROUP I Account No.: 28***** Original Creditor: KNS FUNDING INC. Responsibility: Individual Condition: Derogatory Original Balance: $132 Balance: $132 Date Opened: 09/2005 Date Reported: 08/03/2006 Remarks: [TransUnion] [Experian] [Equifax]
If you pay a debt you don't owe, you may get stuck with it on your reports even with a PFD. An agreement without the will and resources to enforce it is no better than the other party's good will and competence. Since you are already dealing with parties that are erroneously reporting and collecting, that agreement counts for little.
