I am not sure what the purpose of their inquiry was, but they must have a permissible purpose under the Fair Credit Reporting Act for accessing...

What happens if I don't pay something that is supposed to fall off my credit report an about a week?

If it is old enough to fall off your credit report is a week, it is likely past the statute of limitaions. So, if the collector has not already...

If a creditor or collector is reporting the same account twice, you should be able to get one of the account trade lines deleted. You should have a...

What is the statute of limitations on collection of a balancing remaining after a repossession in the state of Arizona?

Usually, the statute of limitations for collecting on a deficiency balance after repossession is four years. This is assuming that there was a...

I have an old unpaid credit card balance but it has changed to several collection agencies

Assuming that the statute of limitations has run, threatening you with legal action ("file a judgment') is illegal. You should seek the help of a...

Proper legal action against former landlord for unfair move-out costs

Send your proof that the charges are not owed to both the collection agency, and with a dispute letter to the credit reporting agencies. Send both...

What to do if i dont recognize a creditor or amount on a garnishment?

First, there must be a judgment in favor of LVNV Funding. If you knew nothing about a judgment, then you may not have been properly served. I would...

You need to meet with a consumer lawyer who focuses his or her practice on Fair Credit Reporting Act or FCRA cases. The FCRA has very specifc...

How do I get debt collectors to stop spam calling me (wrong person)?

If they are calling your cell phone, you may have options under the Telephone Consumer Protection Act. If not, you still may be able to sue them...

Yes. You should contact a consumer lawyer immediately to see what can be done.