1998 I was a young guy out of high school working steady with a G/F, kid and our own place. Like many young people I wanted to establish credit. I got a Sears card with $350 credit. I used it, payed it and the cycle continued. The last thing I charged I has about $88 on it. I lost my job which forced me to feed the family and not pay the bill.
Fast forward to 2008. I have been getting collections for YEARS on this account. I refused to pay the outlandish charges.
Finally someone 'nice' tried to collect this account. I was impressed she was pleasant to talk with and we came to a settlement conclusion of $280. Original debt they were seeking was about $1500. Her manager demanded my first payment be $180, second of $100. I agreed. Payments were drawn from my account as agreed upon. Settlement complete - so I thought.
I never got a letter like they said I would. What I did get was a letter from Sherman saying I still owed money. I called them up to try and explain I settled the account. She requested I fax in the letter saying it was done - which I couldnt since they never sent it. She goes on to tell me I still owe the remaining balance. I told her to buss off and I will sue them if this continues.
After so many years things are to be OFF your credit report. I believe they have falsely KEPT items on my account. Furthermore they have more than 1 entry for the 1 debt, also illegal. This has prevented me from buying a house and four cars on loan.
I wish to sue these people but lack the resources. Obviously they know this and continue to bully the "little" people.
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