Just received a letter in the mail

If this is a decline for credit you did not apply for, you should check your credit report to make sure you are not a victim of ID Theft. The site...

Do credit repair clinics actually work?

There are legitimate Credit Repair companies out there, just check them out before you use them. While you can dispute items yourself, many of...

Have you tried www.OptOutPrescreen.com? On this website you can opt out of pre-screened credit offers. There is no charge for this service.

Credit score went down because of a late payment on a petty amount. Is there a way to repair it?

While my colleagues are correct that the Macy’s trade line cannot be corrected, there is more to look at. The best way to combat an accurate,...

If you have a phone number, call and get their mailing address. Then, send them a letter via Certified Mail, Return Receipt Requested, requesting...

What are the consequences if the debt collector fails to provide verification under FDCPA?

Believe it or not, there are none. If you have timely requested verification under the FDCPA, a debt collector is under no duty or obligation to...

I was told I defaulted on a loan six years ago which was also a SBA guarantee loan. I have no record of such loan.

You should contact an attorney that handles FDCPA claims, if it is a debt collector that has taken the judgment. Most FDCPA attorneys will take the...

Selected as the best answer

Should I pay this bill that is in my name but that I did not incur?

In short, no, you should not pay the bill if it is not yours. Depending on the nature of the debt (written contract, account, etc.) it may be past...

Do i need credit repair attorney? Does credit repairs after 7 years?

In Texas, the Statute of Limitations on those accounts may be 4 years. If debt collectors are still reporting it on your credit report after that...

I am looking for advice on what to do. My father put a utility bill in my name as a minor and left it unpaid.

You should dispute this directly with any credit bureau that is misreporting it. Do NOT do it on-line, but in a certified letter. Be sure to let...