<prompt> Human: I do not think it has showed up on my credit yet, I am concerned for that. I answered their call and acknowledged I was who they were looking for mistakeAbout a week ago after the Equifax ordeal I checked my trans union report and credit karma, nothing from them - yet.The debt with eBay I owe was just turned over to collections a couple of weeks ago. I learned the other day if you pay off a collection it still hurts your credit. At this point I just want to avoid any further detriment to myself. What should I do?To add: I was about to freeze my credit with all 3 bureaus because of Equifax. If I freeze it, will this stop them from hurting my credit or taking further action?I want to note its only 45 and if thats what it takes to avoid a lot of heartache so be it, I will pay - but should I? I want to take appropriate steps to handle this  <response>: Well, do you actually owe eBay 45? If so pay your debts, especially now if it hasnt hit your credit yet.If you dont think the debt is valid, then you will have to file a dispute, but that is after it hits your credit. 