<prompt> Human: The gym stopped charging my card after I spoke to someone about cancellations. There was nothing in writing which I obviously regret right now. The gym charged me for 10 months without charging my card. This was on a month to month basis after my annual contract was over. If my debt has gone to collections why has it not shown up on my credit score? Also would it usually take this long to show up on my credit score considering they said they sent it to collections in February.Im now wondering if the gym couldnt prove the debt and it didnt actually go to collections. What can I do here to fix this issue. Its 300 should I just pay this off and get it in writing that there will be no more payments?  <response>: Pay nothing until they validate the debt. Especially if it doesnt appear on your credit report. 