You should first pull a copy of your credit report. Check whether or not this company is listed on your credit report, and the type of debt. If you can remember that you owe money to this company, you can contact the company and start the payments.
However, if you think that you don't owe anything to this company, or you aren't sure about the debt, you can send a debt validation letter to the company. With the debt validation, you will be able to know how much you owe, and to whom you owe. For more details of the debt validation, and a sample debt validation letter you can refer http://www.creditmagic.org/repair/sampleletter-debtvalidation.html .
1. Send a DV letter to MCM right away and state that it is inconvenient to call,
General Information:
* Contact an account representative:
(800) 935-4566
* Discuss a dispute regarding your account:
(800) 825-8131 ext. 2980
* Send correspondence or payment to:
Midland Credit Management, Inc.
P.O. Box 939019
San Diego, CA 92123-9019
(Please include MCM Account Number with payment.)
debt validate
Hi inportout,
You should first pull a copy of your credit report. Check whether or not this company is listed on your credit report, and the type of debt. If you can remember that you owe money to this company, you can contact the company and start the payments.
However, if you think that you don't owe anything to this company, or you aren't sure about the debt, you can send a debt validation letter to the company. With the debt validation, you will be able to know how much you owe, and to whom you owe. For more details of the debt validation, and a sample debt validation letter you can refer http://www.creditmagic.org/repair/sampleletter-debtvalidation.html .
Hope this helps.
Regards,
Aaron
1. Send a DV letter to MCM right away and state that it is inconvenient to call,
General Information:
* Contact an account representative:
(800) 935-4566
* Discuss a dispute regarding your account:
(800) 825-8131 ext. 2980
* Send correspondence or payment to:
Midland Credit Management, Inc.
P.O. Box 939019
San Diego, CA 92123-9019
(Please include MCM Account Number with payment.)