Make a long story short, took a cons. loan about 4 years back, though I had everything included, apparently I missed this one, Its not on my credit report anywhere, which is how I missed it,but it was a legit account.Anyway I have finally got my credit on track, even got my beacon to 700 in the process of looking into my first home ect, and yesterday a friggin sheriff knocks on my door w/ a civil summons.....ita page stateing a civil action has commenced against me followed by a bunch of pages from the original credit card agreement, its stamped by the county c.s.c but theres no date to appear or anything, sheriff even told me theres no date to appear, just that I should call the plaintiffs attorny. Bottom line, Its less than a grand including court fees and I can pay it off (means no xmas for my family)but am more concerned about it showing up after Ive paid it on my CR and killing my beacon and new home purchase... Any suggestions. Thanx Aj
