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Ted Michalos at It sounds like you need to be employing the dispute resolution course of action for credit reports to sort this out. The credit unions report whet their members inform them to report so they’ll lay the blame on the collector… You will need to verify and see if BC has a Limitations period on debt collections. Likely this debt is no longer collectible due to its age, but you must double verify your provincial laws to be sure. I never ever did hear from any individual till 2018 when collection started calling
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