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Daniel Tam

Daniel Tam’s Answers

1,075 total


  • I'm trying to find a lawyer who can handle my case .The credit bureau report that I'm decease

    I'm 64 years old leaving well ,I own a busness and house how com the report that

    Daniel’s Answer

    Before consulting with an attorney, send written letters to each of the credit bureaus challenging this information and asking them to correct it. If they are unable to correct this information, make an appointment with a consumer attorney to review any potential claims you may have against the credit bureaus under the Fair Credit Reporting Act.

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  • How can i have unpaid Hospital bills when i was un documented immigrant removed from my report? I had no SS# by then.

    I am a refugee from Africa, I have just had my case approved in July 2014.However in 2013 as my case was pending, I passed out and I was taken to an emergency room. The hospital billed me $4000 and later reduced to $650, I hadn’t got a Social Secu...

    Daniel’s Answer

    Please review my answer to your first question.

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  • Can i depute a Credit report reflecting un paid bills when i was un-documented immigrant?

    I am a refugee from Africa, I have just had my case approved in July 2014.However in 2013 as my case was pending, I passed out and I was taken to an emergency room. The hospital billed me $4000 and later reduced to $650, I hadn’t got a Social Secu...

    Daniel’s Answer

    I spend a lot of time pointing out errors the credit bureaus make with respect to consumer reports, but based on the information you provided, it seems they got this right. You admit it's your debt, so unless the information being reported is inaccurate in any way, the credit bureaus have no obligation to remove it.

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  • How do I go about getting a collection agency to report a claim that has been paid 4 years ago?

    I paid the medical claim the day I found out about it 4 years ago . I, and my bank have copies of the receipt. I have call NAR and asked them many times to resubmit it and they refuse to, and when I call the credit dept. they just tell me to get...

    Daniel’s Answer

    If the information being reported is accurate, the credit bureaus have no obligation to remove it. From the limited facts provided, I am assuming you found out about the claim 4 years ago, and it was already in the hands of the collection agency.

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  • What type of lawyer i need.

    I went to a car dealership and thet ran a credit report without my permission.

    Daniel’s Answer

    Go to naca.net and search for an attorney in your area experienced in credit reporting matters.

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  • What type of lawyer i need.

    I went to a car dealership and they ran a credit report without my permission i did not sign anything but gave them my drivers license.

    Daniel’s Answer

    Go to naca.net and search for an attorney in your area experienced in credit reporting matters.

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  • How to get Landlord/ Tenant Judgement off TRW

    In February 2013 I was served an eviction notice. I went to court and was ordered to pay or leave property. I paid the balance in full (have rent receipts). How do I go about removing this judgement off my credit report?

    Daniel’s Answer

    Unless the information being reported is inaccurate, the credit bureaus are not obligated to remove this judgment from your credit report.

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  • I get ssd and the attorney knows I was getting it when I went to court I told them I dont have any money to pay the judgment.

    And the people keep telling me I got to pay how Im on a fixed Income what should I do I dont know what to do they have put it on my credit report tell me what I need to do to get them to take it off?

    Daniel’s Answer

    Assuming the judgment is for an unsecured debt and is not a federal student loan or child support, your disability can't be garnished. If you have other sources of income, they would be subject to garnishment if they are not exempt. But if you are more concerned about your credit report, you need to consider working out a payment arrangement.

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  • Does Lexington Law firm actually work for credit repairs?

    I am thinking about joining Lexington Law firm for my credit repair. I just want to know if it is a good move to do thanks

    Daniel’s Answer

    Save your money and dispute the items yourself.

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  • Do I need a attorney to get my credit. Right?

    I have 3 bankruptcy. On my credit report. Please help. Thank you

    Daniel’s Answer

    • Selected as best answer

    If there are inaccuracies on your credit report, you first need to dispute them with each of the credit bureaus. If the disputes are not resolved to your satisfaction, speak with an attorney experienced with credit reporting errors. Go to naca.net and search for an attorney in your state.

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