 Any way to Clean up bad credit report, without resovling debt or actually paying things off? |
| I heard from a couple of people that i can pay someone to delete things from my credit beaureu. I would be interested in doing this, however would like to do it myself if possible, and not have to ... |
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 What's the best way to pay off credit card debt? |
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the accounts are closed. we don't use any credit cards any more at all. most of the cards are now 3-4 months past due because we just couldn't pay them, ... |
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 Denied...for store credit card...any other way to get credit? |
| I got denied for a Nebraska Furniture Mart card due to my lack of credit. I really do not want to get a credit card, there has to be a way to obtain more credit w/out doing so?? What can I do to ... |
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 Does a company need my permission to run a credit check on me? |
A company called wagerworks ran a credit check on me. They appear to be linked to online casino's. I have played online casino's but have never requested credit.
Do they have the ... |
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 How do i get credit? |
| im 24 yrs old and had nothing on credit but still cant get a credit card they all say no when i havent had credit before so iv got no bad credit. iv got a currant account and thats all ... |
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 I've been threatened, insulted, and need to resolve this... But where do I start? |
| Alright, for about three months now, myself and my husband have been in slight debt. We can't buy food every two weeks with my pay check and have to go thin sometimes. He just started a new job ... |
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 How can I get collection accounts deleted that have been paid already? |
| I have several collection accounts that I have paid off in the past but they are still on my credit file and is causing my score to be low. I also have to accounts that went to court. I have ... |
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 Credit Card Question??? How to get one????? |
I really want a credit card, but do i need credits in order to get one?? or do i apply for one???
How does a credit card works??
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Thank you sooo much for all ... |
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 How long does an eBay seller have to ship an item once paid? |
| Payed by paypal 9 days ago, item would arrive to me in 1-2 days after shipping...have emailed twice for info about shipping, NO response....I am the only bidder, buying a dress for .99, a bit worried ... |
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 Help! I lend my employer money. Now he filed bankrupcy. What can I do to retrieve my money? |
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Don't take me wrong, there were papers signed, a contract kind of thing. There were other people involved. There were also other people lending him money also, ... |
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 Will I need a credit card to check into a hotel/motel in the US? |
Will I need a credit card to check into a hotel/motel in the US?
I'm not talking five star hotels. Planning on using mostly Comfort Inns or other similarly priced motels. Will the motel ... |
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 File bankruptcy or move in with my parents? What do you think? |
| My husband wants to keep our house and file bankrupty to get rid of all our credit card debt. I want to sell the house, move in with my folks, not file bankrupty and pay off the debts. Both are ... |
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 How do credit cards work? |
| What knowledge should I have before applying for my very first credit card?... |
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 How can I get them a debt companyof my back? |
| I have been paying a debt of at £20 a month as that is all I can afford at the moment,I'm registered as disabled and unable to work,but they say this isnt enough, even though its been fine for five ... |
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 Why was I refused a credit card? |
| I just found out that my application for a bank of ireland credit card has been refused. Im 19 and just got my first full time job so I decided it would be a good idea to get my first credit card, I ... |
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 I am receiving mails saying that I have won million dollars through random selection of emails.r they true? |
| If I want to claim the prize, I need to pay Rs20 -25thousand to receive the parcel containing the amount. Is it good to pay the money for the parcel? Do I receive the real money? Anybody is there who ... |
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 Do I have to give debt collector my bank info to work out payment plan? |
| I received a pre legal notice from Midland Credit management the other day. It says they've been contacting me, even though they haven't in over six months. Anyway, one option it says is ... |
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Rosasharn | Debt collectors are calling my house for someone I don't know? |
This person either used to have the same number as me or is giving out my number as her own. We get calls or messages for her every day and this morning they woke me up.
We tell them they have the wrong number, but they keep calling. How do I prove to them that they have the wrong number, and do I have legal recourse if the calls won't stop? |
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teenriodoll
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You need to get information about the collection company. First ask them. Second use reverse phone number likegoing to whitepages.com or switchboard.com. Third ask to speak to someone other than the intial caller. Ask them who they are calling for and confirm the number. Don't give them your name but inform them that they have the wrong number.
Next get their fax number from the supervisor and her/his superior and then send both a fax and a cease and desist letter via certified mail. You want to reference the Fair Debt Collection Practices Act. Send a copy of the letter to the Federal Trade Commission (who will contact the agency or document their files) and your state and their state attorney general.
If they call after receiving your letter, you can sue for violations of the Fair Debt Collection Practices Act ($1,000 per violation) in federal court.
GOod Luck and contact me if you need help on structuring the letter. |
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Barbara G
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Document the times of calls and who is calling. Inform the caller that you are in no way connected with the person that they are calling and you want them to cease and desist from harassing you, or you will report them to the FCC. When they fail to comply, call the FCC and let them know that you are being harassed over the phone by this company. You should also contact a lawyer, as you may have a lawsuit on your hands. |
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imaginadia510
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Ask them to take this number off their list...or to speak to a manager or someone who can help you sort the problem out. I had the same type of situation...it took a good couple tries but eventually they listened to me and i havent heard from them since. |
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Heidi
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They are violating the FDCPA. Next time they call, ask for a supervisor. Tell the supervisor you know the company is violating the Act and you are tired of the calls. The person calling you is just sitting in a cubicle and doesn't really care that they have the wrong number. They just basically say "yeah, right" and hang up so that the computer calls you back the next day.
They don't have to file suit to hurt your credit score. If you are turned over to a collection agency, the collection agency can, after 30 days, notify one of the bureaus that you have an account in collection. |
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labthe2nd
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You tell them to stop calling or you will sue them for harrassment. There are laws against harrassment, and they are required to identify themselves if you ask. |
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Faye H
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The next time they call, POLITELY explain that the person they are looking for does not live there, never has and you don't know who that person is.
Then tell them never to call this number again. You may have to send them a cease and desist letter telling them to stop calling. Once you've sent them the cease and desist letter, if they call you again, they are violating the law. |
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Kitty
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Head to your local county attorney with the debt collectors number and name. He / She should be willing to make a single call and tell them they need a new direction in their search for this person.
Do not wait... DO IT NOW !!! There is no reason you need to be bothered by this collector any longer. |
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Andrea 14369
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when they call ask to speak to their boss and tell them that if they do not remove the number from there list you will be forced to take legal actions |
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Studly
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Heidi is right on this one.
I love a lot of the other answers...
Change your phone number? Why? If they were coming to your home would you move?
Call the FTC? BBB? AG? FBI? CIA? Trust me, waste of time.
Start by reading the Fair Debt Collections Act.
The next time they call. get the agent's name, phone number and collection agency. Just tell them that you want to send in a payment and they will be glad to give you the address too!
Then simply send them a letter saying that the person they want does not live there. Send a copy of a utility bill to show the name and address.
Then, if they contact you again, you have fulfilled the requirements of the FDCA and you can sue them in small claims court for $1000. Pretend you won the lottery. |
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k_reile
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yes...if you tell them they can no longer call you and they continue to call they can be in trouble. Once someone tells you to quit calling them...then they have to stop calling you. Unfortunately...greedy collectors do not care...report them to the their collection agency (someone obviously higher than the callers)...I watched a report on dateline (or one of those shows) and the people were being threatened by the collector and since it was recorded the person lost his job. When you know they are calling...record the conversation telling them not to call you anymore...and when they call again that gives good evidence to police and their company that they are voilating rules. |
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?
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you can't prove it to them. they will just keep calling. you can file harassment charges on them, but it is easier to change your number. |
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Liza
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Get caller id and screen your calls. Try doing a reverse lookup on your phone number to make sure you are the only one it comes up for. If you talk to the debt collectors, ask them where they got the number. You might also ask the phone company what they suggest. If all else fails, you could change your number, but only as a last resort. |
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TaxMaven
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My personal favorite thing to do to nuisance callers: Blow a ref's whistle into the phone. Other than that, you can send a cease & desist letter to them by certified mail, but if it is a bunch of collectors, there will always be a new one. The simplest PERMANENT solution is to change your phone number. It might cost you $50, but it is probably worth it if they are calling that much. As for legal recourse, don't bet the farm. They are probably calling the number the dumb broad gave them, so they are within their rights unless they are being abusive or calling you in the middle of the night. |
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terry_powerprofit
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You have the legal right to demand that they stop. Call your phone company and ask how to block these calls.
When you do get a call ask to speak with a supervisor who will have a better shot at convincing to stop the harrassment.
TAKE CHARGE I always say. |
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mustihearthis
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I would just change my number. |
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whatevit
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Ask the callers to produce in writing the records that they have. Take the records when they arrive and have them documented as bogus. The collector has to take you to court to collect or effect your credit. If they file anything on your credit, file suit - they must use due process. Have a cease and desist order issued to the collection agency. |
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