u/Embarrassed-Cat9724

I have a credit card that was written of as a ‘bad debt write off’ over 2 years ago now.
As of this month that balance has now been placed on my credit as a derogatory mark and sent to collections? How is that possible?
Also the company has never reached out to me, no phone calls, no written acknowledgement, I had to go back in history to try and figure out what the heck it even was.
The best part? When it was written off it was under 4k, now they claim I owe almost 8….
My credit is terrible, i need to buy a car and can’t, I can’t even afford rent I live at home. Idk what to do 🙃

I have a credit that was written of as a ‘bad debt write off’ over 2 years ago now.
As of this month that balance has now been placed on my credit as a derogatory mark and sent to collections? How is that possible?
Also the company has never reached out to me, no phone calls, no written acknowledgement, I had to go back in history to try and figure out what the heck it even was.
The best part? When it was written off it was under 4k, now they claim I owe almost 8….
My credit is terrible, i need to buy a car and can’t, I can’t even afford rent I live at home. Idk what to do 🙃