 I have a car loan with my wife, i want to turn it over to her how do i relieve myself from this debt.? |
| my wife and i have this car loan, i want to relieve myself from this debt. i heard i can go somewhere and sign a ... |
|
 Why do I not have credit? |
| I currently have an apartment in my name, (which is also in my boyfriend's name), and two utility bills. All always paid on time. Everytime the apartment office sends us things in the mail, it ... |
|
 My credit card interest rate is high! Can someone give me some advice? |
| I have 2 credit cards. A Mastercard through Capital One and a Visa through Washington Mutual. My interest rate on the Mastercard is 23% and my Visa is 25%. My credit score is 600. Is there anyway ... |
|
 I need to start fixing my credit? |
I have ignored my credit problems for years. I don't want that life anymore. I don't want to be treated like a third rate citizen anymore. I want a house, a new car etc...
I ... |
|
 Credit Card Default Advice Needed? |
| My husband and I have 75k in credit card debt. We have been managing to pay everything on time, and I got a second job last year to help pay down our debt. We set up a budget and had been following ... |
|
 I suspect my wife has opened several credit card accounts in her name only. How can I find out?? |
| She has hidden money and transactions from me in the past as she pays the bills online. She is getting drunk every day and that money must be coming from somewhere. The last time she did this she ran ... |
|
 Credit Question? |
| I was approved for a low limit credit card from Chase, and I had semi-bad credit. I was wondering if this credit card will help improve my score if I keep up with the payments as i'm hoping to ... |
|
 Where can i get a loan (no pay days, non homeowner) with very poor credit? |
I am looking for a legit loan place that will lend to someone with very poor credit. I am going to school and financial aid did not cover all my school expense I am looking for a legit lender.
I ... |
|
 How to get this off of my credit? |
Heres my story:
A few years back my step mom recieved some of my credit info in the mail .. instead of informing me .. i'm about 90% sure she stole my info and opened a credit card.<... |
|
 Can a bill collector change the agreed montly payment from $200 to $2000? |
| I was laid off about 2 years ago and had something repossessed (about $10K), I took full responsibility and made contact last year with the collection agency to arrange monthly payments, I've ... |
|
 Prepaid Visa Card? |
| I got a Prepaid Visa Card today at the store and it said on the box I can use it online at any store that accepts Visa cards. So I bought it and I opened it up and read the directions and it says ... |
|
 Credit card problems - are these specific to HSBC or does every bank do it? |
I have a MasterCard with HSBC. I know they take fraud prevention seriously, but most of the time they just go too far.
I am usually unable to purchase items online, as my card will decline,... |
|
 What is paypal? |
| what is paypal and how does it work?... |
|
 Should I consolidate my credit cards?? |
| I have a $15k Car Loan, $6600 credit card, and $1500 credit card debt. I'm 22, student and I work part-time so my income is only $8o0 a month! Have you ever heard of going to a credit union and ... |
|
|  |
liltammy1988 | Credit report wrong? |
the day after my 18th b-day(feb ,10 ,06) i tried to start a sprint account, but the credit check kept coming back saying that i had once had a write off with them, when thats impossible, because u cant get a phone in your name until ur 18,and i had never even had a cell phone before then period. this happened twice then they kept sending my mail saying it too and that if i opened an account it couldnt be a regular one. who should i go to ,to fix this mistake on my credit that ive never used |
 |
 
Studly
|
One of two things has happened. Either someone has stolen your ID and applied for Sprint service under your name, or (most likely) the credit reporting agency placed someone with a similar name to your account.
Either way, this is a simple problem to fix, IF Sprint want's to cooperate and help you out. Follow these instructions and you will either get your credit fixed, or you will have an awsome chance of winning a lawsuit against them.
You first need to know exactly who placed the report to your credit history. You need to get a copy of your credit reports, so go to http://www.annualcreditreport.com and get it (for free, no charge or gimmics!)
Contact the person who listed this. It could have been Sprint, but most likely it's a collection agency. Inform them that it was not your account, and see if they can get this fixed immediately. I'm going to bet this won't work though. They will either stonewall you, or (if you are talking to Sprint) they won't be able to find your records.
Next, send a certified letter to each of the credit reporting agencies listing this account. Tell them you are disputing this item and want an investigation.
Send another letter to Sprint/Collection Agent and demand that they "validate" the debt. That means the MUST produce evidence that this is your debt. That includes copies of contracts, bills, receipts, and everything used to calculate what they claim you owe. They MUST supply this information within 30 days.
If they don't supply this info, then send another letter to the credit reporting agency saying that they are posting unvalidated information to your account.
If this information is still not removed from your history, then you have grounds to sue them for $1000 for violation of the Fair Credit Reporting Act. This is a simple small claims court suit, and you don't need a lawyer. If you have followed all of these procedures, and have copies of the mail return receipts, they don't have any defense against it.
Sprint and AT&T are terrible about these issues....many times you have to get rough to get it resolved.
Feel free to contact me if you need more help or advice. |
|
Q.S.G
 |
Go to www.annualcreditreport.com and pull your free reports. Check each for any inaccuracies and contact them individually with your disputes. |
|
stephnmarvin_6911
|
Actually all that you have to do it submit a letter to the collection company. I would send it certified with return receipt for proof of when they received it. They then have 30 days to respond to you, or they HAVE to remove this from your credit. This is in the Fair Credit Reporting Act rules. Now further down the road if they can prove this is yours then they can add it back again. |
|
CreditCardMan
|
That is very possible, you should get a copy of your credit report then dispute anything htat is inaccurate like this. Most places like Experian etc have dispute forms right on their website. |
|
Luckys Charm
|
Apparently someone has been using your social security number. What you need to do is get a copy of your credit report from all bureaus. They would have previous addresses and other info that may help you figure out whos been using your number. After you recieve them disput everything thats negative or anything that dont belongs to you. I have a friend that turned 18 and found out she had excellent credit cause someone had been using her number. Credit is very important .
Good luck |
|
sloop_sailor
|
Call Sprint customer service to get your credit straightened out. There has been a mix up in which you are being confused with someone who has the same name as you, or your SSN has been used by someone else to open an account. |
|
helixburger
 |
Transunion, Experian, and Equifax are ther three credit bureaus. Contact them all. Someone has fraudulently used your identity, it has happened to me twice THIS YEAR. Dispute it, and it will be removed. You can do this yourself.
http://www.experian.com/
http://www.transunion.com/
http://www.equifax.com/
Do it now!! It is not difficult. |
|
Hokie
 |
You should definitely check your credit and dispute the problem. When someone (like in your case, Sprint) hits your credit and then says there is a problem, you should ask them which credit agency they used - example, Transunion, Experion, etc. - get the credit agency's phone number, and give them a call. I believe you have 60 days to dispute the issue. |
|
tiffany6322
 |
you should be able to dispute this problem with the credit bureau. I've done it before and they took it off my credit report. |
|
WONSWTGRL
 |
Sounds like identity theft. Check your credit report by going on line and dispute any discrepancies. At the end of your credit report it will tell you how to go about doing this. Also do this as soon as possible. You are too young to have credit problems before you even start to live. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 30 minutes(s) ago
| | | |
8 | 49 minutes(s) ago
| | | |
8 | 3 hour(s) ago
| | | |
10 | 6 hour(s) ago
| | | |
10 | 11 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
10 | 3 day(s) ago
| | | |
10 | 6 day(s) ago
| | | |
10 | 2 week(s) ago
| | | |
10 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
