I XXXX XXXX XXXX, HAVE NOT RUN MY CREDIT REPORT SINCE LAST 8 YEARS, NOW THAT I AM TRYING TO REFINANCE MY HOUSE THAT WAS ONLY ON MY HUSBAND 'S NAME AND NOW IS ON BOTH NAMES AND REFINANCING, ALL BUNCH OF COLLECTION COMPANIES ARE SENDING ME BUNCH OF LETTERS TRYING TO COLLECT DEBTS THAT I DO N'T REMEMBER TO HAVE BEFORE