Just found an entry on my credit report by Equifax. Looked up
rjm acquisitions on Google and got a phone number in New York. Spoke to the rep, who explained the debt was purchased from the Literary Guild in 2000. He provided the LG account number, and I called them. Apparently, I ordered 2 books from a promotion online. I do not recall that, but! It WAS six years ago. Maybe I did? So! Six years later, it is on my report--and the only negative thing on my report. In my case, it was for only 40 bucks, and I paid it to clear the debt as we are buying a home. Before nailing RJM to the wall, do your homework, as the debt might be yours--something purchased, forgotten, and now back to haunt you. RJM was really cooperative--they provided the creditors' account number, and also are sending me a paid in full receipt. Additionally, they are removing it from my credit report.