A question about credit
I came to Florida on 2005
for a few weeks to check out the place. I wasn't planning on staying but I found a good deal on an apartment and I stayed. That was not the original plan, therefore I never cut off the services on my old residence. I called my Mom to let her know I was going to stay here (she was my neighbor @ my old residence) and she said she could take care of cutting off all services.
But Mom forgot (maybe she didn't even knew) about cable TV
. That one kept coming for 3 months till they cut it off for not being paid. It totaled $260 bucks
I check my credit report
regularly and it was clean. But it seems that at some point the cable company reported this unpaid debt and now on March 2009 I checked my report and that $260 bucks stain is there.
I'm not saying is anybody's fault, this is all on me, I'm not whining. I just want to know what to do from here. I'm thinking I could (in this order):
1) Call the cable company and explain what happened.
2) Ask them to send me a bill.
3) Pay the bill.
4) Ask them to take this off my credit report.
But will they take it off my credit report once I pay it? Are they gonna leave it there? Or maybe update it to "yeah he paid... 4 YEARS LATER THO...
The other option is just to wait a few years till it goes away.
What should I do?