We have an old debt that continues to haunt us. Or I should say, that my husband has an old debt from his previous marriage. However, it’s something that he truly feels that is not his debit. He was out of the country for two years, his wife opened an account without his signature, charged an item, and according to the divorce document was responsible for after the divorce.
However, it has continued to be sold, and rereported as new, to various collection agencies. They come around about every 6 months and send us a letter or two (we just got a new one this week offering 50% payment). But it keeps getting renewed on his credit report and despite having disputed it, it remains. We just get a notification from the credit bureaus that it is a valid debt. (It may be valid, but it’s not HIS.)
We’re at a loss as to how to handle it – it’s over 12 years old. On one hand, I’d just like it to go away. On the other hand, we really feel like it’s legally not his debt. I haven’t yet requested validation from any of the collection agencies because I am sure they will just give us the same runaround “it’s valid” that we’ve gotten from the credit bureau.
Anyway, no point to this rambling other than to say that in my experience, I just haven’t found that disputing a debt with a credit bureau does much of anything.