by breepeace » Tue Jan 08, 2008 05:40:06 PM
I'm sure questions of this sort have probably been addressed, but maybe my situation is a little different and I want to be sure.
Way back in late 2001 I got a cell phone through Rogers Wireless. About 8 months after I got it I got a job offer that was much too good to pass up, but was also in the middle of nowhere with no reception so I called Rogers to cancel my 3 year contract. I was told they needed a $200 contract cancellation fee so I went off to the bank, got my $200 money order made out and sent it off.
All would be well, except it was apparently NEVER applied to my account.
A year ago when I went to a Roger's kiosk to hook up my new phone I was told I owed a balance of $277 which is apparently the $200 fee plus late charges and other fees. I was upset but after searching fruitlessly for the documentation to back it up, discovered I had nothing having moved several times in the past 6 years. It didn't even bother me too much because Rogers still gave me my plan (month to month) and just wanted a (refundable after a year) $100 deposit and nothing was showing on my credit reports.
Well I just got my credit report for 2007 back from Equifax and imagine my surprise when I see that in February of last year, Canadian Bonded Credits reported a collection on the same account! The date of last payment is 08/2002 which seems about right, so I guess I'm wondering if I should even bother checking into it? Or should I just let it run it's course? I would hate to inadvertently screw up my credit now.
I know I can't find the documentation to back it up, and I've already inquired into what my bank can do, which sadly isn't much -- they do have a record of a transaction that sounds to be around the same amount at the same time, but they don't track money orders through your account, and obviously I didn't keep a copy when I didn't hear a peep from Rogers all these years.
The people at Rogers didn't know anything apart from that I owed a balance from several years ago, and I know from a friend's experience that iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency are not pleasant to deal with, so if I'm correct this should drop off my credit either this year or next year if it's 6/7 years from the last payment? Or will it be 7 years past the date iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency reported the collection?