I think I seriously got screwed over. Here is what happened:
two years ago I signed up for a crappy VOIP service. I used it for a couple of days and decided i did not need it anymore. I ended up paying for their service for a couple of months until my credit card expired. However, they kept charging me for another year. I eventually got a call from the VOIP company to pay but I refused to pay. After a year, a collection agency sent me a letter that I had to pay for the collection in the next 30 days or they will report me. I have outstanding credit and I paid right away to prevent my credit score from dropping.
Today, I got my credit report and the collection agency contacted the credit agencys even though I paid the balance within 30 days. My score dropped from 720 to 620!! I want to apply for a mortgage but with this score I will get crap.
This is what shows up in my credit report. It looks like that they filed this 7 months ago. I have NEVER received anything from these guys until 4 weeks ago. As soon as I heard that they will send it to a collection agency I paid it.
Your most recent collection account or negative public record is 7 months old.
Reference Number Institution Date Filed or First Reported Comment Date Last Reported
725**** SKO BREN AM 09/2006 Collection account. 03/2007
Is this legal what they are doing? Btw this is their url: http://www.skobrenner.com
. If I have to take them to small claims court I will take them.