I am in the process of trying to repair my credit and found out that an account that I had paid is still showing $110.00 owed for an electric bill 5 yrs ago. I called the debt collector and was told that the account has been transferred to Merchants Credit Guide Co. Aka/CFB Financial III, LLC.
I called their number and it was busy so I decided to google them. Come to find out I am dealing with a bunch of scam artist. I hope they do not track me down and start calling me now because I called them. I would like this debt removed from my credit as it should, but it appears it will not be as easy as I thought.
Before calling the debt collector I disputed the debt with all three credit bureaus. Will that make them start harassing me? Should I just pay these guys and cut my losses? Can I trust them to send me a letter that the account is paid in full? I need my credit repaired what should I do?
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