We are preparing to file Bk 7 so reading here I learned to pull my annual report. I just noticed a payment 30 days late showed up from a company that I never had, never owed etc.
It is Sync/PP which I find out is paypal and collected by Synchrony Bank. Funny thing is I have a paypal account, have had for years and I dont owe them a dime.
I am learning as I go and notice they did not even send me a dunning letter to dispute it.
Can they just pop up a negative, open account on your report out of the blue?
Also an inquiry from Preferred CMS, who the heck is Preferred CMS?