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  1. I disputed it and it came back verfied. No way can they verify it, I never had bill me later and have a paypal account is great standing still today.
  2. 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?

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