u/Beginning-Low7680

For context, I'm 19 years old and I didn't even get a credit card until 8 months ago. I've been getting calls and emails for a while now but I genuinely have never used any of Bells' services ever. They have my full name, my phone number and my email address but the wrong address (my old one) and the wrong age so when I pick up the phone (I don't know if this is a mistake or not) and they verify my age all the debt collecting agents usually hang up. They gave me an "offer" to pay only 100$ and the whole thing will be dropped. I don't know how any of this works and I'm feeling a bit scared that this will ruin my credit. I don't have 150$ that I can just throw at the problem to make it go away.

For context, I'm 19 years old and I didn't even get a credit card until 8 months ago. I've been getting calls and emails for a while now but I genuinely have never used any of Bells' services ever. They have my full name, my phone number and my email address but the wrong address (my old one) and the wrong age so when I pick up the phone (I don't know if this is a mistake or not) and they verify my age all the debt collecting agents usually hang up. They gave me an "offer" to pay only 100$ and the whole thing will be dropped. I don't know how any of this works and I'm feeling a bit scared that this will ruin my credit. I don't have 150$ that I can just throw at the problem to make it go away.