Debt is not on credit report!
Ok... I have been getting letters from a collection agency about an old B of A account that I had with another person... I know that account has been closed for at least 7 to 8 years.. I recently checked my credit report and it is not listed (I checked all 3)... however, they have been sending me settlement letters and calling... Since its not on my credit report.. should I worry? They have been sending me stuff for about 8 months... by the way... the collection agency is one of the biggest and most successful.. so I am scared to call them! :(