Do PayPal Debts Appear On A Credit Report?
Now I have a collection agency called NCO calling me every day reminding me to make the payment to PayPal and telling me that they haven't yet reported the debt to credit agencies. Now my account has been in the negative for 3 months.
1. Can they report me to Equifax? Is this possible in Canada? There have been conflicting reports that Paypal debts specifically do not appear on credit reports.
Frankly I was thinking of just not responding and not paying them.
2. Does eBay share information with PayPal? Will they close my eBay account too?
3. There is a lot of information on the web on how to send a debt validation letter, but that is in the USA. Do I have the right to ask NCO to validate the debt and produce my signature that I actually used the service? (Prove that I actually owe this debt.)
4. Can anyone here offer some real factual advice from experience with PayPal or debt collection in Quebec?