 Is this a myth...what happens if you just stop paying for your credit card? |
| I have a friend who just got a notice from a creditor via the Sheriff's office. Is it true that if you just stop paying your credit card bill after 7 years it just falls off? He hasn't ... |
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 Is it Illegal for a bank to do this? |
My discover card payment is almost 300.00 dollars and only ten of it goes to the principal.That seems very extreme to me.Isn't there a law against this?
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This is ... |
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 Is there something I can do (legally) about ridiculous credit charges? |
| I've been a customer with this clothing catalogue for a while now and I have a credit limit of £1,000 with them. However, I decided not to use that facility and buy on a pay-as-I-go customer. A... |
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 Does this seem fair for owner financing (on a house)? Or is the guy trying to make a few bucks? |
| My fiance and I have plenty of $ for a down payment on a house, but can not obtain a mortgage. A seller is offering financing @ 8%, and after 1/2 of it is paid (30k) he will give us a deed for trust. ... |
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 How can I avoid being served with papers, a debt collection agency want to sue me? |
I do not live at the address they have on file, can they sue me if they can't find me to serve me?
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The explaination for why I have not paid the debt is very long..... |
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 I sold something on ebay and when i go to paypal it says i've received a payment...? |
...But when i log into my paypal account the balance is still at £0.00...Anyone know why? Cheers
Additional Details
Actually I have sold two things to two different buyers and on Ebay ... |
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 I have a credit card, but haven't paid them for over 4 or 5 months? |
| how can i get out of it? my limit was $1000. I owe them more than 900 Dollars. MOST of the money is from non payment charges. $30 a month. Even before the last bill i made, there were mmmaaannny ... |
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 I need financial help please!? |
| I have a County Court Judgement caused by an ex partner who run up debts in a joint account just after we split. He's disappeared off the face of the earth and I cannot get credit or a mortgage ... |
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 I can pull money out of my 401K for a down payment on a house, Yes? or No? |
Additional Details
I was told that you can pull out of your 401k for a down payment without being taxed on it. You get to do this one time.... |
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 Can i withdraw as a co-signer on an car loan? |
| my boyfriend has an car that i co-signed for and we are no longer together and i do not want the responsibility. he is not paying the notes on time and it is ruining my credit.... |
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 Credit Cards in America? |
| I'm going to the USA next week and will be using my credit card, will I need to carry with my photographic ID in order to be able to use it? I do in Europe and was wondering if I need to in the S... |
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 What will happen if i use somebody else's credit card? |
| i'm gonna go to canada to visit an old friend. Her dad is gonna give me his credit card to pay for my flight. what will happen when they find out that i'm using someone else's card to ... |
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 Can somebody help me find financing!??!!? |
I just turned 18 (Mar. 8th) and have NO credit. I live in GA
I've been working very hard as well as saving very hard so that I can buy myself a NEW motorcycle
It is a 2007 ... |
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 If you have a credit card and are making more than the minimum payments, does it hurt your credit score? |
| I believe that if you charge your card and make more than the required monthly payments that it would hurt your credit score somewhat the same as if you were to not make a payment at all.... |
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Milagros N | There are 3 people in my family with the same name but different SS# having problems with credit HELP US? |
Me, my sister, and my aunt have the same name but we have different SS#'s my sister middle name is different but the initial on middle name is the same my aunt and my name are exactly the same. Our credits are showing each others stuff. How can this be fixed? I am desperate, PLEASE HELP ME> |
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echo
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This happens quite often to people with similar names. It happens "almost" all of the time with fathers and sons who are JR's and SR's.
Mike is incorrect on thinking it is ID theft - it's only a case of the CRA's living up to their 89% error rate.
You should sit down with your sister and your aunt and go over each account to see which one belongs to which person.
Each of you should dispute with the CRA's. Each person should include a copy of their drivers licenses and a copy of a utililty bill that is in their name with "their own" dispute.
Write down the wrong accounts, and account numbers, and say that those accounts belong to the sister or the aunt. Then request that your reports are corrected and that they remove the accounts that don't belong to you.
Then request that they pay attention to each SSN when adding information to your files so these mistakes do not happen again. |
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kja63
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Write to each credit reporting agency (there are 3 of them) and get this all straightened out. |
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Avatar the last airbender
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This will be an ongoing problem due to the incompetence of the people making request at the credit verification companies.
My last name is spelled 5 different ways, I have several listings of my first name with my wives maiden name, both correct and misspelled and my address is listed several times with different (mis)spellings.
All you can you is get your annual FREE credit reports and dispute the information on your credit report (can be done online) . I would not explain anything about your sister or aunt. Just have everybody dispute their own reports. The first year it will likely be a lot of work, the next year will be easier. |
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Mike
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Who stole who's identity?
That cant just happen with unique SSN's unless someone tried to steal someone's identity.
Anyway, write to the credit bureau's and dispute the bad data, tell them the accounts are not your's. etc. |
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goturanswer
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Faxing a copy of your birth certificate, a copy of your social security card and enlarged copy of picture ID to whatever company you're having problems with will fix that problem. No matter what your names are, your birthdates aren't going to match along with your social security numbers. This is alot more common than you'd imagine and simple to fix. |
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Fighting Racoon
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you can get a credit monitoring service that requires you to be contacted when someone accesses your credit report. call one of the credit bureaus and they will set it up for you. it also helps with fraud protection. |
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bull_rooster_aardvark
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The credit bureaus are just confused - this happens alot even when you don't have 2 people with almost the same name as you.
I'd suggest going to annualcreditreport.com, where you can go into all three credit bureaus and view you credit report for free (can only do this once per year so only free if you haven't done this for a year). Carefully check out your credit report at each bureau and you have an opportuinty to dispute anything that is incorrect. Once you put in the dispute (be sure you explain that this info is correct, not is not for you - rather its for a relative) the credit bureau will re-check the info and move it to wherever it needs to go. You probably should tell your sister/ aunt to do the same thing assuming they are having the same problems.
Best luck. |
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tooanoyu
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Start using different addresses, notify the repositories (Transunion, Equifax, Experian) of the name similarities (each party) your still going to have a problem and it will take some time but you can start by changing and seperating your files by using different addresses. It is a good Idea for all 3 parties to notify the repositories as well. |
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upside down
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It happens all the time. You have to copy all YOUR I.D. (SS card, drivers license, etc) and dispute the other info IN WRITING to all three credit bureaus, and follow up on it that they DO actually correct your file.
I had a similar problem 20 years ago, when my husbands FIRST wife defaulted on a furniture loan in Ohio. I was 6 years old when SHE defaulted...but our married names are similar. I have never even been to Ohio! I TRIED to use logic with Rhodes furniture and explain it couldn't possibly be ME (as in who gives a 6 year old $1500 in store credit?) but the manager said sorry it's on YOUR credit report. Took me 18 months to get all of it wiped out. |
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Sharron B
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You will have to notify each credit reporting agency by phone and by letter. Ask that this information be entered into your file, or if can it be.
You must check your credit history on a regular basis and always dispute any that is not yours. Do it until you get results.
Apparently they don't check, date of birth, year of birth or even the SS# This has also happened to a son, father and daughter with the same names, different spellings and one has a different middle name completely. |
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red top
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notify the credit that its not you and you want it taken off now |
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