A third party has told me they bought a debt !

Well, buying a debt is legal. Suing you if they think they can prove you owe them the money is legal. Whether it's too late to sue you is a...

What can happen if the dealership can not find a lender for the full amount of the loan?

You just agreed to spend $30,000 for a car that can't pass inspection? What am I missing? You have a complicated set of facts here. I...

Is it worth it to sue the dealer and lender for forging my signature? How much am I entitled to?

The monthly payment is not much higher than what you were promised, but what about the length of the loan? The Truth in Lending disclosure forms...

Although an account holder has the right to sell its account, debt buyers such as Midland buy up accounts in bulk, and often do not acquire the...

Can Experian and Equifax refuse to delete an account under NY GBS Law 380-j because the acct is listed paid in settlement?

I am not familiar with the New York law you cite, but credit reporting is governed by the federal Fair Credit Reporting Act. CRAs are required...

What is a 623 Dispute?

The term derives from section 623 of the Fair and Accurate Credit Transactions Act (FACTA), a 2003 law amending the Fair Credit Reporting Act. ...

How do I start the process of cleaning up my credit

The question is too vague to answer. If there are items reported on your credit report that are incorrect, or obsolete, you can use the procedures...

I was sued for credit card debt, can the judgement be removed from my credit report??

You can call the clerk of the court to ask about the case's status. When parties settle a case, it can appear in the court records either as a...

The account can be reported until approximately September 2018, which is a long time, and if the balance remains outstanding, that is worse than...

What are collection agencies or original debtors required to do before reporting you to credit bureaus?

Yes, that would be a reasonable expectation of a creditor, but is not explicitly required. Your question is ambiguous as to whether a...