$5?? I thought they aren't allowed to accept any report lower than $100. Maybe it's a new rule but reporting to CRAs will be abused if anyone can send anything on any amount. Person A owes me $2 and Person C owes me $1.23. Ridiculous isn't it? Why don't you try to report that owner to CRA and claim he owes you $3.39?

Don't pay it. In August it will be purged from your credit file and if it's still there then, then write an email letter with copies of your ID for removal.

I had a very old Bell ExpressVu account were I was charged a cancelation fee, but since I moved, I never got the final bill which was for a lousy $30. I paid it when it showed up on my credit file a year or so later through my credit card at Bell. Well, the idiot that took the payment reopened the account to process it, but never closed the account afterwards so they turned the service back on at the address that was 800 miles away from where I live now and the place belongs to someone else!

It took 8 months of phone calls and back and forth crap and it still never got resolved. 1 year after the report, I contacted Equifax and they removed it because the collection was no longer being held by the reporting company.

It difficult for people when they get collections to deal with them, and in not all cases is it just a deadbeat not paying their bills.

My TransUnion had a $5 collection several years ago for a movie late fee.

August is only a few months away, check your report to purging and deal with it then. Paying it now though can change the payment date depending on the agent/policies of the creditor/collection agency.

My policy is that if it goes to collection. It stays in collection, unless they make a deal for COMPLETE removal from my file. I was foolish when I was young over credit which has taught me the responsibility of it now. And collection agencies and even creditors cannot be trusted to doing the right thing with old debts.

Hey.. I was 18 at the time, I can think of worse things 18 year olds do than lose a money order and forget to do a follow up. :)

In any case, the people at Rogers customer service and the kiosk were pretty decent to me once I explained everything that had happened, and it may have just been the appeal of one more customer (equaling, of course, one more commission) but they got me set up with a plan that day, and all I had to pay was the $100 deposit (which was just credited to my phone bill back in October), so I'm not really worried about what Rogers thinks of me, just what future creditors might, but in August that's not even an issue.

I'm still waiting on my TransUnion report -- I requested it at the same time.

Thanks for all the help! :)

I have to wonder why you would blindly send a money order for 200 bucks and not go in in person to pay it and thereby receive a copy of a cancellation agreement from them. Unfortunately you also failed to keep a copy of the money order so it, too, can't be readily traced. That carbon copy was the only receipt you had.

In any event, the the item has to go off your 2 credit reports by this August, whereas if you pay Rogers/ iQor, Inc formerly CBCL - Canadian Bonded Credit Limited - Now Iqor Collection Agency , you'll renew the 6 year reporting period all over again. Might as well leave it run its course. Being over 5 years, old the item won't be as harmful to your credit score as a new delinquency would be. If that's the only bad thing on the report, it won't stop you from getting a mortgage at a prime rate.

It goes without saying that you should also pull your credit report from TransUnion to see if the item's on there. Come August, legally it should drop off your Equifax report, but Equifax reports are notoriously inaccurate. Thus you should pull both reports after Sept 1, 2008 to make sure it has been deleted.

Another possible problem might arise if you want to get one of Rogers' services in the future. Though the item is off your credit report, you'll still be on Ted's bad boy list forever plus a day over the money.

Rogers has the same motto as Hells Angels: "God forgives - we don't!" Not too sure if the Bikers got it from Ted or Ted got it from them.

Ray

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?