I asked a debt collector to provide evidence on a collections they put on my credit report. This was a 173.00 amount I had no idea about. Got a letter in the mail state the debt was validated as mine with proof attached. The proof had my name but ...
You need to obtain all three credit reports, Trans Union, Equifax, and Experian. Easiest way to do this is to go to www.annualcreditreport.com. Need to make a written dispute to the credit reporting agencies (not to the debt collector or creditor). This will generate a reinvestigation. If the credit report is still incorrect following the reinvestigation, you may need to contact an attorney.See question
Received a letter stating that I was going to be charged with fraud if I don't pay a personal loan
If the debt is for child support or a court imposed fine, you can be held in contempt. For a "personal loan" no. There are many scams out there right now in which people posing as debt collectors threaten this.See question
A car dealership ran my credit without me being there
I may disagree w/ the other lawyers responding. Whether this violates the FCRA or not depends on the facts of your situation. The most common scenario that creates a violation is that you visit a dealer, provide information. That would a be a hard pull. If authorized; no violation. If unauthorized, it is a violation.
The only type of soft pulls a dealer could do would be an Account Review (AR) or a promotional (PRM) inquiry. A promotional inquiry is not a violation, because they are only getting your name, address, etc. An Account Review (AR) MAY be a violation IF you never did business w/ that dealer.
So, entirely fact-dependent.See question
I got this phone call today and said that i was going to get prosecuted cause i done a payday loan and i didnt. I went to the bank and got them to pull up for the whole month that i was suppose to of done this and no where on my account was there ...
In my consumer protection practice, I have gotten this question dozens of times in the last 6 months. This almost certainly a scam. This type of "phantom debt" scam is rampant right now. http://www.consumer.ftc.gov/blog/stand-fake-debt-collectors.
Bad news is that an attorney can't really stop it, because callers aren't really concerned about violating the law. Good news is, none of what is threatened is likely to happen. All you can really do is stop taking the calls, block them, or wait for them to get tired and move on.See question
My new husband and I are saving for a downpayment on a home that we want to buy or build in 1-2 years. My husband filed bankruptcy 6 years ago and at the same time finalized his pending divorce to his Ex Wife. They had a Real Estate property bus...
In general, a judicial foreclosure will be reported on a credit report for 10 years, as will a bankruptcy. Unfortunately, his signing over the properties by deed will not change his liability for the debts if he remains on the notes.See question
I've always had a tough time getting employed by employers who do a background check and could not figure out why. finally an employer told me my high school said i never graduated. I called the school and they said I needed 20 credits to grad and...
Did you ever get this straightened out? In S.C., when you sue a public entity that is generally covered by the SC Tort Claims Act. This provides for a shorter statute of limitations and, at least in negligence situations, a higher level of proof. You may have a case, depending on the truth (or falsity) of the statement, your ability to prove that you did not get employed because of the information, and the degree of fault on the part of the school.See question