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If you have a bill for 30 dollars go to collections does it hurt your credit?
I cant pay this bill, business had illegitimate practices and doesn't answer the phone. I wouldn't even trust them with a check as there is nobody to talk to. Still they have my information and are threatening collections over 30 dollars. Just got my credit in good standing, is it ok not to pay?
- SlickterpLv 72 months ago
Anything that goes to collections hurts your credit.
- AmyLv 72 months ago
It will hurt your credit a little, but you can put a note on each of your credit reports explaining that you have disputed the charge.
- oldcraggyguyLv 62 months ago
It is never OK NOT to pay. You do, however, have the right to add a consumer statement to your credit report and explain why you did not pay. Next, write a snail mail letter, certified, with copies made, to the creditor explaining why you are not paying, Then, include a copy of this letter to your state agency which resolves this sort of problem. If that does not work, then complain to the FDCPA compliance office of the Federal Trade Commission (Fair debt collection practices act). Before beginning with this admittedly time consuming process, write a brief snail mail letter to the creditor explaining that you will create a lot of paperwork for them if you do not resolve this, perhaps include a copy of the letter that you are about to write to them with the word draft written over the text of the letter so they know you are contemplating this. good luck
- n2mamaLv 72 months ago
Sure, it’s ok not to pay it, but that doesn’t mean it won’t affect your credit. If they send you to collections, it will have a negative impact on your credit. If you just got your credit back to good standing, letting it get flushed down again over $30 makes very little sense. No info provided indicates that you don’t actually owe the debt (claiming they had illegitimate practices means nothing), so yes, they can absolutely damage your credit with this.
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- ScottLv 72 months ago
Damaging your credit over a $30 amount is absolutely stupid. Figure out a way to pay them.
- AudreyLv 72 months ago
Get a cashier's check at your bank. Then you have iron clad proof you paid them.
- BlessedLv 72 months ago
first call better business bureau and ask about that business, then call your credit score people..experian, etc and talk to them about it
- Anonymous2 months ago
It could hurt your credit.
- A HunchLv 72 months ago
No. It is not ok to not pay.
Read the other answer.