Yes, you can get in to trouble. You fabricated a credit card number and used it to make a purchase. Your IP can be tracked. No one can predict what...

Firstly, your bank is not subject to the Federal Fair Debt Collection Practices Act as they are an original creditor. You might be able to state a...

The Repercussions of a debt settlement and IRS Form 1099

I don't see how the loan mod would have any bearing on your obligation to pay tax on the settled debt. Only your accountant or tax adviser that is...

How to get rid of my delinquent credit card account?

In general, you can satisfy or "get rid of" your outstanding balance by either: 1. Payment in Full, or 2. Payment in Settlement, or 3. Discharge in...

My ex wife is intentionally making every mortgage payment late to affect my credit. Can I take legal action against her?

As far as your mortgage lender is concerned, you are the responsible party. The lates will be reflected on your credit report, which may result in...

Can I fight to get my credit back I owe $1400 and now my credit is ruined?

Yes, you can fight. Based on your description, it is insufficient to determine whether your argument is meritorious and timely. Stop calling the...

Is it valid on a school they accept your child based on your credit history? Principal told I must pay the full year up front.

Private schools have broad discretion in determining whom may attend and on what terms. So long as the terms are not discriminatory, they can use...

How do I go about correcting my rental history report if there is a wrongly report eviction?

Did the court make the assurance in writing? Are you sure you didn't consent to an eviction order? You need to consult with an in-state...

Chase entered a charge off on home mortgage in June 2012, but we have never been late or delinquent with payments.

Under the Fair Credit Reporting Act, in general, to be entitled to damages, you would first have to dispute the information to put the bureaus on...

Is it illegal to run a persons credit and do a background check without authorization?

Under the Fair Credit Reporting Act, your credit report cannot be pulled without authorization or a permissible purposes. You can try to dispute...