I dont understand this in my credit report, can you help?

I just checked my credit history and found something that doesnt sound good. It seems I owe (or owed) a payment. As far as I know, I dont have any pending payment, so what does this mean? If I owe something, how can I know who claims that money?

Thanks!

Account Name:COLLECTION COMPANY OF

Account Number:1XXXXXX

Acct Type:Collection Department / Agency / Attorney

Acct Status:Closed

Monthly Payment:

Date Open:7/1/2006

Balance:$64.00

Terms:1 Month

High Balance:

Limit:

Past Due:$64.00

Payment Status:Seriously past due date / assigned to attorney, collection agency, or credit grantor%26#039;s internal collection department

I dont understand this in my credit report, can you help?

Call the credit report company you used. they can give you more information and possibly a phone number so that you can find out what kind of account is past due. It may be a case of identity theft and you are getting the bad credit report because of that. Best thing to do is find out all you can and try to resolve the account.

Good Luck.

I dont understand this in my credit report, can you help?

If you feel that this isn%26#039;t your debt you should write and dispute it with the credit reporting agency. It is the company that is listing that debt to prove it. Also if you want to research and learn more then visit http://www.mycreditadvise.com

Good Luck

I dont understand this in my credit report, can you help?

Call the collection agency and see who you owe

I dont understand this in my credit report, can you help?

you might want to get a free credit report as if you don%26#039;t think this is yours you better check the credit report to make sure nothing else is on it. people%26#039;s identy%26#039;s have been stolen and used so I would get a free report and check into it.