Got a call saying that i owed money from a payday loan i never took out in 2005, I kept asking questions regarding the matter and the guy on the phone hung up on me. I called the business they said i took a loan out on and they have never heard of me before. The collections people said i HAD to pay today or else it would go on my credit. I printed out my credit report and what they were saying was NOT on my credit. BE CAREFUL