Can a creditor continue to make hard inquiries against my credit wihout my consent, after a debt is already settled or chrgd off

For the purpose of debt collection, the creditor can continue to make inquires. The "charge off" is frequently misunderstood by consumers. It...

Mom put utilities in my name when I was 17. Moved out at 18 in another state paying my own utilities. How to get it off credit?

If someone opened an account in your name without your permission, you are encouraged to file a police report for identity theft and/or forgery. ...

The Federal Trade Commission does not publish its criteria for actually enforcing consumer rights. In my experience, the FTC will only go after an...

Can I write the credit bureaus and have a collection account removed with the status of "Potentially Negative Closed"?

Do you know the circumstances for closing the account? If not, you should certainly write to the credit reporting agencies, as well as the...

I disputed an error on my credit report, the creditor removed it on one bureau but decline on another credit bureau!

It is not uncommon for one credit bureau to report things one way, and another to report the exact opposite. I would recommend that you lodge...

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This sounds like a scam. My #1 advice to anyone being dunned for a debt: ask them to send you something in writing. Third party debt collectors...

I have a judgment on a broken lease do I pay the judgment or what the collector says I owe?

If someone is trying to collect from you more than they are entitled (whether it is a judgment or not) then your consumer rights have been...

I have a judgment on an eviction and a collection asking for more than the judgment which do I pay?

If someone is trying to collect from you more than they are entitled (whether it is a judgment or not) then your consumer rights have been...

A foreign exchange student visited me in 2006, got sick and went to ER. Just got collection notice. Is it payable?

If the mail is not addressed to you, then you should have no concern at all. If, however, the hospital bills are now coming addressed to YOU,...

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Payday Loan Question

The payday loan collection industry is very well known for threatening to send debtors to jail. The debt collectors use that tactic because it...