 What's the best way to start building credit? |
| I am 20 years old and keep getting rejected for credit cards. The only way to get credit is to start somewhere...so where do I start??... |
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 How does a credit card work ?? |
I want to get a credit card but im 16 (for ebay) . I want to know how does it work do you get charged a certain amount each month or do you get charged only when you buy something ...?
Do ... |
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 How do I establish credit? |
| I need to establish some good credit in order to get a loan for school. What do i do to get good credit to get approved for the loan?... |
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 Has anyone ever gotten an unsecured personal loan from speedybadcreditloans.com? |
| I've researched them on the internet and nothing bad comes up. In fact, a lot of websites say that sites like this require a fee (this one does) because they are acting as a middle man between ... |
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 How do i improve my credit score without doing the obvious (paying on time)? |
| there are two collections and a judgment on my report but they all show as paid.... |
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 My car got repo'd and auctioned!? |
| whats the best way to explain to my mother that i got my car repo'd when she's the cosigner? is there any possible good lie out there.. me and her don't keep in touch or talk much.. ... |
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 What to do if you have a summlons to come to court.? |
| i have a summons to come to cort because i have credit card debt.... |
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 1st Credit Card? |
| I am about to get my 1st credit card. Any suggestions having good credit?... |
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 I took out a $5,000 unsecured loan and only needed $2,000 of it..? |
| can you pay these off early.. i would like to make a 3,000 dollar payment as my first.. is this cool.. if so will the interest be charged on the whole thing regardless.. thx for your ... |
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 Debt Collection Unfair need advice Badly!!!!? |
| i have had an account past due with citizens bank for 3 years i was put away for awhile and was unable to pay it. i owed 538 dollars. well 5 months ago i have been receiving calls from NCO about ... |
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 I have terrible credit from a reposesion when I was 20 years old, I'm 24 now, I need to buy a house for my |
| family, my finace has ok credit mine is just terrible. I only owe 4 thousand but can't afford to pay it back. Whats the best way to rebuild my credit I feel like I'm holding my fiance back. ... |
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 Is it a good idea to close credit cards that I don't use at all? |
| Here is my situation. I have $7500 I owe on a 0% credit card that expires in March 08. I want to transfer that balance to a different 0% credit card in February to avoid finance charges. Also have ... |
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 No Credit auto financing? |
Ok, I'm 19 years old, live with my family, have an active checking and savings account. I work as a General Manager at LP Cleaning Service and make $3,500.00 per month before taxes.
H... |
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 22 years old and credit card company is taking me to court? |
| I was offered several credit cards when I graduated high school and started college at the age of 18. This card in particular offered a $4,000 credit line. I had no job and no savings, so I ended up ... |
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 Do you think a credit card is a friend or foe? |
I have two credit cards. do you think its an advantage or disadvantage for my lifestyle?
I'm working in a call center and I'm already regularized. I have a stable job already.... |
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Hailey's Mama | Is it legal for a credit agency to lie to me? |
I received a message at work from a person who said he was from AAA and I needed to give him a call. So I call him back figuring it had something to do with my car. He was NOT from AAA. He was a collection agency wanting money from me. Is this legal? The company he was with didn't have AAA as an abbreviated name. Can they seriously do this??? I know the money I owe is valid, I called my insurance and they told me what was going on. But I'm SO mad this guy lied to me. I want to know if it is legal for them to do that. Thanks.
Additional Details
F*** you Tim. I did not ask your opinion on how you think I'm a horrible person. Go f*** yourself. You don't know the situation and you have no right to judge me. If you're just going to come on here and be rude to me, don't waste your time responding, I'll just report you. I came on here for an answer to my question, not to hear a rant about how I need to pay my bills. |
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jcurrieii
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Can they provide you with false information in order to lure you into calling them?
Yes.
Rather, in many jurisdictions, yes they can.
Once you're talking with them, they can NOT lie to you about the contents of their files (i.e.: how much you owe, etc...)
They are also restricted on what they can do and say, and how often they can conact you, along with at what times. Check with the local BBB, they can give you the (local) guidelines.
If you want to screw-over the collections agency, talk to the original holder of the debt. Since they've already sold it off to the collection agent (assuming that this is legal in your jurisdiction), they may even be willing to settle for 60-80% of the original amount owed. ;) |
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Victoria
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They probably can unfortunately... I don't think they can call you however, if you ask them to stop. People from collection agencies are ruthless... they will try anything to get in touch with you. I would try to find somewhere where you can file a complaint. That's probably the most you can do.
Don't answer your phone anymore, or call someone back unless you know who it is. |
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BG
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It may be unethical but to call it illegal is borderline. |
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Craig T
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They can call you, probably not illegal to lie but certainly borders on unethical.
What you need to do is send then what is called a "cease & desist" letter. What this does is prevent them from calling you at home or at work and that they muct communicate with you only by mail. Send the letter by certified mail return receipt requested, that will cost you a little over $5.00 but is VERY important as that is your proof that you sent and they received that letter. If they fail to abide by your request and call you, they can be liable for up to $1,000 per incident. |
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src50
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Never deal with a collection agency via phone. Insist that all communication be writing. |
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OC1999
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It sounds like you did owe money to AAA insurance. If so it may be hard to prove if they did anything illegal.
Debt Collectors are not allowed to use a false names or misrepresent themselves. But in trying to prove it would be a different matter. All they would have to claim is that they did not say they were AAA but calling on behalf of AAA. Then unless you had some proof otherwise it would turn into a they said/I heard thing. |
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tammygray41
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No it is not legal. But unfortunately you would have to prove that is what he said to you. It would be your word against his. I am not a bad person ether but sometimes things happen that we can't control so I go through the phone company and block those that want to be an _ _ _. It doesn't make my bills go away but I only deal with nice people not the other _ _ _. |
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Marcie H
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Collection agency's will do anything to get in touch with you including calling neighbors, work and lying. They are trying to get their debt. Its not right by no means but they do it and I don't think there is any laws against it. One thing to try to avoid is to talk to them on the phone.. Put everything in writing so you have proof of everything because if its on the phone they can say they or you didn't say that. The whole thing rots! |
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lose40k
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yep. he prolly already tried to contact you and you didnt answer. saying AAA could be anything. the end result....he got you on the phone.......thats his job to collect debts. |
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