Hello.
Two and half years ago I agreed to one of those JC Penney credit cards because I was a fool and didn't understand what I was getting into. A little while later I realized I was $24 in debt. I was in college, and I tried running from my problems, but that obviously doesn't work. Over the course of many months, JC Penney/Synchrony Bank tried to get me to pay up to a high of $59. The payment due stayed at that level for quite a long time, until the debt was apparently sent to a debt collector, which I also ignored.
I stopped receiving mail from the debt collector towards the end of 2014, about a year after the original debt. Now, two and a half years later, I want to get this nagging stress off my back, but I don't know who I owe the actual $59. I read some things online that suggested I get my free credit report from the "big three", and I did so; however, they all listed the balance as $0 as of May 2015, with a note saying the debt had been purchased by another lender. The problem is I haven't heard from any new lender, and I'm assuming contacting JC Penney would be fruitless at this point, or even "re-age" the damaging report.
My primary worry is that I am unbeknownst to me accruing some sort of monthly fee for not paying someone I don't even know. I have never received calls regarding this, from JC Penney or otherwise. Should I log onto the original JC Penney credit card account? Log on to the old debt collector "Account number" they sent me? Or just wait it out? Please advise. I'd like to get rid of this minor stress.
Two and half years ago I agreed to one of those JC Penney credit cards because I was a fool and didn't understand what I was getting into. A little while later I realized I was $24 in debt. I was in college, and I tried running from my problems, but that obviously doesn't work. Over the course of many months, JC Penney/Synchrony Bank tried to get me to pay up to a high of $59. The payment due stayed at that level for quite a long time, until the debt was apparently sent to a debt collector, which I also ignored.
I stopped receiving mail from the debt collector towards the end of 2014, about a year after the original debt. Now, two and a half years later, I want to get this nagging stress off my back, but I don't know who I owe the actual $59. I read some things online that suggested I get my free credit report from the "big three", and I did so; however, they all listed the balance as $0 as of May 2015, with a note saying the debt had been purchased by another lender. The problem is I haven't heard from any new lender, and I'm assuming contacting JC Penney would be fruitless at this point, or even "re-age" the damaging report.
My primary worry is that I am unbeknownst to me accruing some sort of monthly fee for not paying someone I don't even know. I have never received calls regarding this, from JC Penney or otherwise. Should I log onto the original JC Penney credit card account? Log on to the old debt collector "Account number" they sent me? Or just wait it out? Please advise. I'd like to get rid of this minor stress.
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