TQC when I was younger, I was really irresponsible towards my credit. I am trying to fix it now, and I am slowly paying things off. BUT! I had a capital one visa long ago. I keep getting calls from a collection agency that is harassing me to pay them, and when I look at my credit report, it's not even on there. WTF should I do? It's obviously not reporting negatively on my score.
Do you know what your score is?
Why is my TransUnion and Equafax higher then the Experian score?