 When some pulls your credit report, can they see the names of other companies that have viewed your credit? |
Or can they only view number of inquires?
Additional Details
Is there anyone that knows for sure? Some of you are saying yes, and others no.... |
|
 Do I have to pay credit card that was once on my credit report but 7 yrs past and it's no longer on there? |
| I was contacted today about a credit card that I had in college. I did not pay the credit card off and allowed it to go on my credit report. It stayed uppaid on my credit report for 7 years, and now ... |
|
 When you pay off collection accounts, can they be taken off your credit report completely? |
| I have accounts that I have made payment arrangements on and now they are completely paid off but they are still listed on my credit report but the status says "paid in full". I heard that ... |
|
 How is my credit? |
| I am 21 years old. I work full time. Not a home owner. I have carried at least 5 major credit cards and 5 store cards but only have 1 store card and 1 major card now with a balance of 2500. I pay ... |
|
 Where can I get approved for a car loan? |
| I DO NOT have really bad credit. My credit score is 680. I have a monthly income of $2700. I applied for a car loan today and got denied because of something that is on there from five years ago. ... |
|
 Is this a scam or real would like to know? |
SWIFT PAYMENT CENTRE
IKEJA LAGOS-NIGERIADATE: 13TH /04/ 2007.
ATTENTION OF MR. JOHN JONES
I WISH TO REMIND AND ALSO TO INFORM YOU THAT THE REQUESTED FEES FOR (COT) WILL BE... |
|
 How do you finance a ferrari with no credit? |
| I heard you can finance a car if you put %50 down. I have no credit, but recently just started a business that is making me 8k per month. I have $120,000 cash, but don't want to go2 the ... |
|
 I cannot afford the mortgage payment on my house anymore. I'm considering bankruptcy or forecloser.? |
| My Credit card debt is less than $2,000 and I can pay them regularly. I cant afford the $2,500 a month mortgage payment. I don't have any other debt & no car loan.... |
|
 I overdrafted my bank account by $125. Its been 9 months & I still haven't payed them. What can I do? |
| They sent me a letter saying they cancelled my account so I figured that was it. But My wamu account still exist and I dont know If I should pay it back anyway or for how long its gonna affect my ... |
|
 Can anybody help me to find the right credit card, please!? |
| Its been almost 3 years since I got my first Bank of America's Debit card. My friends still asking me..."Why you don't have a Credit card, yet?"...and my answer every time was the ... |
|
 I was refused credit by a credit card company. Can I get a credit report for free ? |
| Can i get my credit report for free if i submit this credit refusal letter to the agencies? T... |
|
 My dad died last January, and a bill collector is sending me 2 bills daily? |
| Someone hooked a cell phone up in my dads name and all of the sudden, dad started getting People magazine in Spanish. My dad was never able to speak spanish and would never have ordered a ... |
|
 Anyone know debt-collecting laws? |
| Can a company collect on a judgment debt that is 15 years old? It's not a real estate or secured loan, just money that was owed. My co-worker is getting letters and calls from a collection agent ... |
|
 Capital One Credit Card Debt? |
| I'm finding I can't afford the payments to Capital One anymore. I owe them a total of $4900.00. I've called them and asked them for a lower interest rate and they stated I'm at ... |
|
|  |
klick | Would a credit collections agency really sue me for $1000? |
recently my dad called me from texas (i live in washington) and told me that a collection agency wanted to sue me for an old debt (originally a $300 credit card....with interest $1000 now). i don't know how they got his phone number and i have had some debt before and no one has ever sued me for the money. would they reallly sue me over $1000. i know i should pay the debt back, but i can't at the moment. they want all or nothing it seems like. |
 |
 
echo
|
Without knowing if you lived in Washington when you defaulted on the card --
They might sue or it was just a threat they love to use (using that threat is illegal if they actually have no plans to sue).
The collecting SOL in Washington on a credit card is 3 years from the first time you became 30 days late and never brought the account current. (I'm just guessing, but if the interest has gone up that much it has probably been quite a long time since you had defaulted)
The collection agency must be licensed and (possibly) bonded in your state to collect.
If you are past the collecting SOL and they file suit, you would include in your answer - an affirmative defense of SOL and then you can file a counter claim on them for filing suit on a time barred debt - if you win it would be up to $1000.00 in your pocket.
Since they discussed the account with your father, thats a FDCPA violation and another counter claim against them - again up to $1000.00 in your favor.
Even if they don't file suit, you have a right to sue them for the violation they committed by discussing the account with your father.
If they are that underhanded to discuss the account with someone other than you, I would suggest that you keep an eye on your county court website, from time to time, to make sure they don't sewer serve you and get a default judgment.
Also, order your credit reports and see if they are reporting the account.
You might click on my profile and do some reading in the links I have listed - to the FDCPA, FCRA and do some reading in the last link listed to learn how to use your rights. |
|
websterjdjr
 |
Its a racket ..dont pay them..it highway robbery..aint no court in the world gonna allow a credit company to charge that kind of interest..their are laws about charging 700 for a 300 loan
Its called loan sharking.the feds recently leaned on the creditors for a change..Interest rates on credit cards are falling and the higher ups in the company have now admitted their credit policys have been a bit aggressive.LOL really?want to enlighten your self? check out the link below: |
|
David
 |
yes they can, but they probably won't |
|
Crazy Cat Lady >^..^<
 |
I am being sued for $714.59 right now by a collection agencies.I have tried everything to settle with this company they don't want to budge,so a lawyer friend of our got involved
we found the collection agencies broke the law in several places so now we are counter suing them for a few thousand dollars. |
|
General Custer
|
Make them a cash offer to settle. They often go for that. I suggest $150. |
|
winda
 |
they can, but you should be able to work something out with them. |
|
Blicka
 |
Yes, They will sue you for $1,000 in small claims court. Basically, they will schedule your hearing along with a dozen or so other cases just like yours to knock out in one day.
If you really want to play harball, request an extension of the court date at least two times before suggesting a third date. Hopefully, they won't have any other cases lines up for that day and if they don't show, your case will be dismissed.
Otherwise, you might want to see if you can settle out of court because you won't be able to duck out on your credit card debt.
Good luck! |
|
Kristin M
|
You should check out the laws in your state, in Texas they cannot sue an individual for debt - companies yes, individual people no. My mother was a bill collect for 25 years, and this was a very common threat used by bill collectors to scare people into paying off there debt. I worked in a collection agency for 4 years (not as a bill collector) some of the threats they use are illegal so check your states laws on what they can and cannot say, if they start harassing your parents in Texas, - all your dad has to say is that you do not live there and stop calling - if the collector continues they let him know that he is being reported for harassment and get his name, its probably an alias but it should be registered. |
|
Phineas J. Whoopee
 |
Did the credit agency actually say they wanted to sue you or was that just your Dads interpretation of the situation. Unless your father and you have the same name, and they confused the two of you, normally, a credit agency will not discuss your situation with another party. If they call your father again I suggest that he gets a contact number so you can call them personally. Very seldom will you get sued for something like this, usually just a lot of harassment, a long period of bad credit, etc. It is better if you can work something out with them (monthly payment plan, reduced settlement, etc) as this will eliminate these negative factor. If you do work something out with them try to get an agreement from them to have it removed from your credit if it has already been reported as negative (sometimes this is effective) GOOD LUCK |
|
Lydia B
|
Its possible, but it depends on what they are suing you for. |
|
Himiko
 |
Find a local Debt Counseling Agency ran by either State or County . They can help you out. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
11 | 19 minutes(s) ago
| | | |
1 | 54 minutes(s) ago
| | | |
8 | 2 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
11 | 11 hour(s) ago
| | | |
9 | 1 day(s) ago
| | | |
11 | 3 day(s) ago
| | | |
10 | 5 day(s) ago
| | | |
11 | 6 day(s) ago
| | | |
11 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Credit 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
