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J9537 OP wrote

I would honestly be okay with that. I don't even have a credit card to begin with, I'm too young to have one plus no job. Plus, I would assume they would need a judgment in order to place it on my credit report

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JesusNachosForever wrote

Easy enough to get. Bill collectors do this all the time. Just keep in mind, we're talking about 7 years on your credit, which can make getting jobs or even apartments a challenge.

Good luck.

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fuck_me_for_giving_a_shit wrote

They don't need a judgement to place a statement of debt on your credit report.

If it does show up on your credit report... After Thanksgiving dispute it. Most places are understaffed and too busy to reply back in 30 days and if they do not it gets dropped off your report.

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