Tiny House Plans

What should I do about a tiny debt collection?

I was just contacted by a collection agency for an $11 (energy) debt I’ve never heard of…I’m very careful with money, have excellent credit and want to make sure this doesn’t effect my credit, as I’m planning on buying a house this summer. Obviously I can pay it off (probably easier than challenging it), but how do I get this debt collection off my credit?

Do everything in writing, i.e. send them letters and ask that they only contact you by mail.
Ask the collection agency to prove the debt is yours.
Verify the information they provide.
Pay it if it’s yours.
Send them documentation it if it isn’t.

Just because a collection agency contacts you don’t mean there’s a ding on your credit.
Part of settling the debt could be a requirement that it not be reported to the credit collection companies.
Get the agreement in writing.

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