Credit report problems?

[Xanthia Alysha]

I review my credit report every three months. With this review there is a company on my report that puts me in collection for a debt acquired in november. the company is called west bay aquisi and I do not know them - have never received a bill from them and need to know how to find out who they are.

[RebeccaArcelia]

If the debt has gone to collections or was a judgment against you, it will stay on your report for a period of seven years even after it was paid.Getting a consolidation loan to pay off the debts and make just one monthly payment is right, but remember, you are simply borrowing more money to pay.