I went to the transunion website and pulled up my credit report, and found a debt for 1022 for an old Rogers bill from 2004, that I have never been contacted about. To start, here is the breakdown of the credit report so you can see where I stand:

"Adverse account information section"
Rogers Wireless Inc
Revised Date: 02/2008
Opened: 01/2004
Last day of activity: 06/2004
Balance: 1021.00
Past Due: 1021.00

"Collections Section"

Collection Agency: iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency

Account Number: ########
Creditors name: Rogers Wireless - 3ds
Date Reported: 06/2006
Date Revised: 12/2007
Original Balance: 1021.00
Revised Balanace: 1021.00

Collection Agency: CRS INC
Account Number: ########
Creditors name: Rogers 888#######
Date Reported: 11/2004
Date Revised: 06/2005
Original Balance: 1021.00
Revised Balanace: 0.00
Remarks: ACCT CLOSED

I contacted Rogers, and they just give me the run around, saying they cant do anything, i need to talk to iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency . So I called iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency , they said they would be willing to settle this debt for 510.50, 50% of the bill. I informed them that I did not agree with the amount owed, and that I would be willing to just pay them the 510.50 to get it off my credit report, if they could give me something in writing stating that they would have it removed from the report. She informed me that it was not possible to have it removed, and that all she could do was assure me that the balance would be updated to $0.00 on my credit report. I declined and said that I wanted to contact rogers again to find out what was going on because I have not been contacted about this debt at all.

what are my options now? I would really like to get this taken off of my credit report, as its the only thing on there, and I would like to start establishing some credit so I can buy a house in the near future.

is there anyway to have the CRS INC, iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency and the Rogers Wireless information removed from the report? Why are they allowed to report this 3 different times? If I pay this, and accept that it will update to 0.00 balance, will this actually help my credit? When would it naturally "roll off" my account if I dont pay it? And how long after I do pay it could I expect it to roll off?

Any help you can provide would be appreciated.

Thanks,
Mark