A woman sent me a home depo statement She claimed I didn't pay when I told I paid it off and contacted the person who set up payments and recorded monthly payments And removed the negative off my reports including a letter as account cleared! She had the same debt and tried to get me to pay her monthly payment I explained the situation,but she was trying to get me to repay. User's recommendation: Always be cautious redoing same debts,is a scam and sits on my credit reports.