hi
had a credit card back in 1995 in MD
i'm sure that i paid all but i have a phone call from collecting agency that i still have outstanding balance with a lot of interests
however the bank i got it from is merged into another bank and new bank doesn't have any record
i've checked all 3 credit reports but nothing in there
questions are;
1. do i need to pay this even i nor collecting agency can't verify this was used by me?
2. it's more than 10 years now; still i need to pay if i have to?
3. if i have to pay, whom do i need to pay to? collecting company or visa?
4.


