Credit Questions and Answers

It be said that i won$820,000.00?

and now they are recounting me that the money is in a ridge account at first national edge south africa they even sent me a account number and ask if i required to come out there and transport care this mattter surrounded by person


Answers: it is a scam. look here:
http://www.joewein.net/419/emails/2006-0...
You enjoy to be joking if you feel this is a legit thing. I thought EVERYONE on the internet know about these. They're scam, all of them. But adequate people still plunge for them that they keep doing them.

Some are comparatively creative, I got one from Paraguay that be interesting. And Russia and the UK are getting to be common too.

The average loss to your guard account if you respond to these is around $4,000 per person. Go ahead if you want an incident, but once they have your personal info they can untaken out your bank commentary and do other identity theft things beside what you gave them.
That's ludicrous, nearby is no such thing as "South Africa".

What happen if I don't sign the getting when I rate near a credit card?

I made a large purchase at a local grocery store today and I payed beside my discover card, but the cashier never asked me to sign the getting like they other make you do. Does this be determined that If I were a dishonest party I could argue that I never made the purchase? I certainly won't, I'm of late curious.


Answers: Your card would be charged regardless. Many retailers now-a-days don't require a signature, or even scarier, don't ask for ID. Most of them are fast-food places, McDonalds, Jack-In-The-Box, etc. Even at Walgreens if the purchase is under $50.00 you don't enjoy to sign for the purchase on a credit card. No idea why!! I use to work near and it sure wasn't like that after.

If you were to try to move about back to the store, they'd any pull survalliance video (possibly) or would in reality instruct you to go to Discover to dispute the charge. From nearby, you'd have to dive through whatever hoops the creditor required.
Nothing happen. The money will be taken regardless. Unless it was error, you would dispute it purely like any other transaction.

Many hulking chains like McDonalds for example, do not require a signature if you produce a purchase with a credit card.

For a really Good Credit Guru..(Linebarger/Blair/Sampson) for a debt that isn't mine...PLEASE HELP!?

This is the collector that compass bank turned an narrative that doesn't belong to me to.

My father, my grand father, and myself adjectives have alike name, (different suffixes) so you can think the confusion that this causes, as i hold several things on my report i have be fighting to go and get taken off for years.

Heres the traffic, the debt belongs to my grand father, he is within his last stages of alzthimers (sp?) disease and due to tremendously little health insurance will be departure some debts behind. He have done a lot for me surrounded by the past so i am going to aid him.

He doesnt know any account information, or anything resembling that because he can't remember anything so that doesnt help.

I am dealing beside The law firm (bill collector) and i am paying this for him, but HOW DO I GET THIS OFF MY CREDIT?

Do i basically tell the guy handling this depiction with the firm that it's not mine, almost the different names, and see what he say?

Has anyone ever had to shift through this?


Answers: You should start first by disputing the accounts with adjectives of the credit bureaus that this account is reporting to.
You requirement a current credit report, and you can get a free one at annualcreditreport.com. You are entitled to one free credit report from respectively bureau per year.

With your credit report in appendage go through the report and stress anything that is incorrectly reporting, or anything specifically obsolete. These are the items that you should dispute. You should own an account number for this side and the name of the company or the collection agency.

In your dispute you will write to the bureaus and make clear to them after receiving a recent credit report you found accounts (list and dub them) that were reporting inaccurately.
At one and the same time that you dispute the account next to the credit bureaus you should dispute it with the collection agency, and state that you dispute the authenticity of the debt, and that the debt is not yours. In doing this you are giving them, along with the credit bureaus 30 days to provide you proof that the debt is yours (collection agency), and the credit bureaus will any verify the debt or delete it.
In my opinion by you paying the debt beside the collection agency you are claiming some responsibility of the debt. If it is reporting in your credit files it will show up as a salaried collection, and at that point it will be very thorny for you to get it removed from your files.
I would matter with disputing it first, and once it is taken caution of to your satisfaction afterwards I would deal next to being a well brought-up samaritan for your grandfather. You don't want any payments connected to you and your credit files as a paid collection justification.

You can document the name error by providing them next to a photo copy of your driver's license, and photo copy of your birth certificate. In your dispute you should be maxim that this account is not mine.

You own to prove to the bureaus that you did not create this account. If it is your grandfathers depiction it should be reporting in his credit report also. In disputing you want the collection agency to endorse the account. They should do this by producing a signature on the untested application of the account, along next to your ss#, and date of birth.
A computer generated printout, or a document stating that they be assigned the account, is not validation. Photo copies of ingenious documents is validation.
With same name situations it is smooth for an error to have be made, but it also takes have the correct ss#. If it is reporting in your files, and not your grandfather's I would put somebody through the mill why.

Each one of you have different ss#'s and the inputting of credit information is base on name, ss#, and your date of birth. These are considerable identifiers with the credit bureaus.

Good luck to you.

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