I collection Agency I've never hear of is suddenly trying to collect a debt from 2001. Could it be Fraud?
This collection agency claiming to be from ATT Wireless is trying to collect a debt from me from 2001, but I've never had ATT Wireless surrounded by my life! They are not on my credit report and I've never be contacted regarding this until very soon in 2006. I bring back phone calls adjectives the time saying "this is michelle thomas (or other people's mark, changes from time to time) and we hold an important phone for you..." The recording never say the name of their collection agency and why is it that 5 years following they suddenly have my current cell phone number and address aphorism I own them money?!?!Answers:
While it could be fraud, it's most likely the collection agent is missed his target and get your name on the commentary.
Been there, done that....here's what you do.
Call the number from the soundtrack and talk to someone near. Explain that it's not your debt and you don't know why they are calling.
WARNING #1. They will probably ask for personal information, especially your social security number. don't plummet for it! Give them nothing! Remember, it's not your chore to prove anything! It's their's.
If the simple phone call doesn't work, you immediately get to invoke the Fair Debt Collections Act on them. Get their mail address and send them a dispatch. Part one is a demand to endorse the debt. They must send you contracts, bills, receipts, doesn`t matter what they have to prove it's your debt.
Part 2 is a give up and desist demand so they quit calling and harrassing you.
Use the preview letter below for this.
You also have need of to go to http://www.annualcreditreport.com and be sure these jerk haven't already put something on your credit reports. If they did, send the agency a epistle detailing the facts, and demand that the entry be removed.
Read the links below, study the regulation, and get these guys sour your back. Contact me if you requirement more advice or support.
Other Answers:
Did you pay cheque your bill
It's probably fraud. Pick up the phone subsequent time and ask what company it's for. Don't give out any information obivously. Once you enjoy the name, lately hang up. No want to keep discussion to them if you don't owe them money. Then just look up the company. Sounds similar to a scam. Try calling AT&T and ask them about this. I have something similar happen to me back..but it turned out to be legit. A collection agency called me proverb that I owed money to some phone company that I had never hear of. Luckily the amount owed was smaller number than $10 so she just dismissed the defence after I told her I did not use the company.
Try to bring back in touch near a live person at the collection agency and ask them for written documentation concerning when the debt was incurred, who incurred it, and what deed has be taken prior to this. They should be able to provide adjectives these items. If they can't, they have no legalized leg to stand on and must write-off the debt with no adverse credit reporting. If they do provide the information and it is fraudulent, report them so and many times they will write it sour, again with no adverse credit reporting. If it is fraudulent but they rebuff to drop it, contact a lawyer.
It is probably a one within the same nickname problem. Like John Jones. Ask them if it associated with your Social Security number. If Not after tell them you constraint to be placed on their do non call account. If the calls continue then you SUE them for singling out.Many times what happen is that a business will sell your outstanding amount to another business (whether is is legit or not).
Let's enunciate you owed $80 to Business A.
After a certain amount of time, Business A will supply the debt to Business B for $20.
Business B then contacts you to clear them the full amount that you owed Business A (hoping that you will.)
Make sure they give you full documentation on what you owe them as very well as a letter (before you pay) that the debt have been unworried.
Becareful, however, there are companies out within that will try to collect money from you on debts that do not exist.
Good luck!
Why can't culture pass other nation 2nd likelihood on loans??
I went through rough times awhile support and now...I hold a new work, truck paid sour and kids gone! I am now within a better situation fiancially and nobody wants to give a hand me purchase a used car!! I am slowly paying stale my back debts but nobody wishes to help me next to loans!Answers:
You probably have unpromising credit. Go to one of those web sites that evaluates your credit and see what it say. Also see what your local bank say the minimum credit score is for standard loans. But try to pay subsidise those old loans high-speed because not paying them quickly will with the sole purpose hurt you with a lower credit chalk up and increasing interest.
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Its because lenders look at your credit score and not what you are doing. even though you are paying sour stuff they are looking at your credit history and if you are someone who is a potential risk. Car dealerships are especially bad if you enjoy repo's on your credit record. Sorry.
Screw me once shame on YOU!
Screw me twice shame on ME !!
You are a risk...not too frequent people are of a mind to take finanical risks when it involves their money and a entity with an unreliable track copy ... its gonna take closely of time ...
Its all almost risk - while you may be better than before, probability would indicate folks in that position are of much greater risk. The banks and loan companies are contained by it for profit, not for your betterment. And they don't know you or your character.
It is as simple as "ONCE BURNED, Twice scholarly." Would you loan your money to someone who stiffed you?? I don't think so.
Banks and nouns companies are in business to create money. If you have demonstrated by your olden actions that you may not be a well brought-up credit risk, they aren't going to take a haphazard on you. Their interest is money, not your self-esteem.
To fix this situation and gain back the financial community's confidence, you enjoy to demonstrate to them that you've changed your financial habits. You hold to begin doing the things that are 'respected' contained by managing your finances.
I've written some rather epic advise on credit repair and initial establishment on some other threads. I train Business at the high arts school level and spend partially the year teaching my students how to direct their finances. I won't tire you (or other readers) by reiterating what I've written in other threads here. I will invite you to click my user christen and check my responses under the credit category.
Best wishes to you.
Anyone out within beside experience beside LHR, Inc??
LHR, Inc. is a collection agency. I need some feedback on what type of company this is. Please help out!Answers:
Has anyone dealt beside this LHR. I need some worthy and bad feedback
I received a summons-100 i entail to dispatch a written reply inwardly 30 days, obligation example dispatch of what they expect
The debt has already be paidAnswers:
Is this in recent times a simple Small Claims Court suit? If so, you don't have to be formal or anything. No special form is needed.
Just convey a response outlining your side of the story. Give copies of receipts or proof to support your claim.
Then be sure to appear in court. If you do not show up, the other side win by default.
If this is contained by a higher court, and/or for deeply of money, you will need to consult an attorney.
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If the debt have already been salaried, then you want an attorney and counter-sue them for harassment and fraud...Don't agree to them get by near that garbage...
Oh no. You didn't receive Richard Summons, did you?
Source(s):
Tight red cistern top. Tight striped shorts with dignified slit up the side.
IF YOU WANT YOUR DAY IN COURT A SIMPLE ANSWER SUCH AS "I DO NOT OWE THIS BILL" WILL BE ENOUGH FOR THE COURTS TO SET A HEARING DATE. MAKE SURE YOU SHOW UP OR THEY WILL WIN BY DEFAULT.
IF YOU PAID THE BILL, TAKE WITH YOU A COPY FRONT AND BACK OF THE CANCELED CHECK OR IF A MONEY ORDER WAS USED GET A COPY FRONT AND BACK FROM THE MONEY ORDER COMPANY. IF YOU PAID BY CASH YOU WILLL NEED THE RECEIPT ISSUED. A CREDIT CARD STATEMENT SHOWING THE CHARGE WIL WORK IF YOU PAID THAT WAY.
HOWEVER, IF YOU PAID THE BILL DIRECT TO THE CLIENT YOU MAY HAVE RUN THE RICK OF "PAY AT YOUR PERIL AFTER NOTICE OF ASSIGNMENT"
THIS MEANS THAT IF YOU PAID THE ORIGINAL CREDITOR AFTER THEY SENT IT TO A COLLECTION AGENCY, THEN YOU CAN STILL BE HELD RESPONSIBLE FOR THE DEBT. ALSO, IF YOU PAID THE PRINCIPLE AMOUNT EVEN 1 DAY AFTER THE SUIT WAS FILED YOU STILL OWE ALL THE FEES.
IF YOU HAVE ANY OTHER QUESTIONS, YOU CAN EMAIL ME
AT
icsowesmemoney@yahoo.com
Source(s):
I HAVE BEEN A LEGAL COLLECTOR FOR 7 YEARS
Report someone to Credit Agency short SSN?
Is it possible for me to report someone as delinquent to a credit angency WITHOUT their Social Security Number? What if I pass it on to a collection agency, can they do it lacking the SSN?Is there any style possible? Things like full label,street address,phone number, DOB are all prearranged, just not SSN.
Answers:
You, as an individual, can not place something on a credit report. They don't allow it.
You could turn it over to the collection agency, but they will charge their collection duty.
If you successfully sue them, then here will be a judgement filed within public record, and the agencies will pick up on that.
As for need a SSN, it's not always needed. They will compare address or other criteria to game the correct person to the copy.
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In Canada, Yes. I would think everywhere that if you embezzle them to small claims court, win, obtain decision, at that time you would file an execution near the Sheriff, which would mean back they buy, sell or mortgage, this loan would hold to be paid.
why are you always wanting to report someone? are you one of the alter boy's that rev trask plays near?
What credit card is the easiest to catch permitted to within Canada?
Answers:
VISA/MASTERCARD is universally accepted. AM EX is spotty, Discover is few and far between.
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i suggest its visa & mastercard
all Canadian bank deal next to Visa
What is the best passageway to consolidate my credit cards and payment them past its sell-by date minus wounding my credit?
Answers:
The best way to consolidate your credit cards is through www.debtscape.org I enjoy been using it for 4 years immediately and I have smaller number than a year to go and I started out next to over $30,000 in debt!
You can report them I sent you
Traci Sorgi
PS never close your accounts after they are paid, you will own to establish credit all over again, and it will be complicated to do this with NO credit!
Other Answers:
If you own a house you can refinance it and payment off credit cards next to the equity in your home
Transfer all your balance to your lowest balance card. Then cut the rest of them up and recompense all you can on that one card. Paying the minimum will carry you nowhere. Go to a credit specialist who will usually negotiate with the creditors for a lower interest rate and afterwards consolidate all your bills into one. I'd really recommend getting at most minuscule their opinion on it as usually you'll be ahead to some extent than trying to do it yourself.
Consolidation loan through a wall.
The interest rate will be much lower than the cards and it doesn't compound like the cards do, any.
Plus, it will actually support your credit, because now adjectives your cards will be paid (burn 'em).
If you own a house with equity, refinance and repay off the credit cards, afterwards keep individual a few cards and keep small balance.
If you don't own a house, you need to bring in a budget that includes minimum payments for each credit card. If you engineer available enough money to payment a lot more than the minimum payoff on one card (start with the superlative % rate or the highest balance), pay packet down that card as fast as you can, consequently move on to the subsequent highest card and so on.
A home equity loan is (in my opinion) the best way to stir. But you don't want to risk it?
You think taking any type of loan isn't a risk? Your anyone silly. Christian Credit Counseling in California is an excellent and honest choice of consolidating your credit debt...they also return with lower interest rates thru your creditors and they are a non-profit organization....
Source(s):
www.chemicalbank.com
www.ccc.com
I teach business and I've written more detailed information on several other credit threads; click my user cross and check out the other credit entries I've responded to if you want more detail on my perspective on credit establishment and repair.
Best wishes,
how can you sigh on something that requirements a credit card even you dont own a credit card?
i dont knowAnswers:
A debit card with a Visa or MasterCard logo on it works almost exactly approaching a credit card, except that instead of running a balance on an reason that you have to pay envelope off, it deduct the money directly from the account to which the card is attached (usually a checking or funds account). It works beautifully for purchases, ATM withdrawal, etc.
The only time you might experience a difference between using a debit card and a regular credit card is when you rent a sports car, reserve a hotel room, or similar. If at the time you check into a hotel you use a debit card to guarantee your payment (so the hotel is protected against you skipping out on your bill [not that you'd do that, I'm sure!]), the hotel will usually put a block on a persuaded amount of money in your portrayal to ensure that the funds will be there when they put the charge through at a next date (like the day you check out).
Say you're staying within a $100-a-night hotel for 5 nights. When you check contained by, the hotel will put a block on, say, $8OO-$1,000 to cover the cost of your room rate for the 5 night, taxes, and incidental expenses you might incur during your stay (room service/restaurant, long distance phone calls, etc.). The clerk who checks you within should tell you how much money they'll reserve when you present them the card to guarantee your payment. If s/he does not donate this information, you should ask for it.
Other Answers:
Use a debit card
Theres no way!
best not to do sometimes they have need of an authorization from your credit card.
Who Is The Richest Person In The World?
I Think It's The Person Who Invented Microsoft But What Do You Think.PS No Catogry For The Question.
Answers:
Bill Gates still holds the title as the world's richest, with investors Warren Buffett from the US and Carlos Slim Helu from Mexico second and third.
Other Answers:
Bill Gates
I am...I own a home and a family. I hold an education and a virtuous job.
I believe the richest woman surrounded by the world is the Queen of England, Elizabeth II. The richest man?? probably Bill Gates BEFORE he began to pass away money (47 Billion in network worth).
i think it's Andrew carnegie
Willy Wonka!
What is my FICO rack up? The loan officer told me I be an 8.2?
Answers:
whoa that isn't a fico score.
FICO ranking is based on your credit rating of how you payment your bills on time and is evaluation used by credit officers to determine if you can bring a loan or not. its a score continuum from 300-900.
Other Answers:
Try this
http://www.myfico.com/Offers/myFICO_UYCS%20booklet.pdf#search='fico%20score'
Scores don't go down to 8.2 though. FICO gain is basically your middle credit win. It is generally what is used for most personal loans such as a vehicle or home loan. Some mortgage companies will allow you to ues the highest of your three credit score for a loan but it is not always worth the increase contained by rate. As far as this 8.2 score. It sounds a moment or two bit like an insurance credit chalk up. This score is different than your FICO credit evaluation.
Why do credit card companies convey you a "Pre-Aproved" missive but afterwards turn down your application?
Answers:
Its another fact to be precise helping ID stealers. I don't know how to stop them emailing those pre approved letters.
I use that postage remunerated envelope to send some of the unwanted items back to those guys. So they hold to pay for sending and unloading the junk. Thats my approach to say thank you for the cast-offs.
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The pre-approved is BS. It's advertising to bring back you to apply. If they don't like your credit mark, they can still turn you down.
its so then stupid idiots apply beside a cack credit score and next when they do a search they cause it even harder for you to get anywhere newly ignore em their cast-offs mail its adjectives a con
It is a marketing ploy.
It likely have nothing to do near your credit score. In reality, it's probably because of the credit score that you get the offer within the first place. What pre-approved really means is that your credit chalk up matches the criteria they set out to find base on information they buy from the credit bureaus. The part they don't know is your debt-to-income ratio, how much you currently brand, and things like that. So if you get a pre-approval letter, and be denied, the denial letter should say-so something like "Debt to income ratio too high" or "insufficient income". Companies don't paw pick you....it's all base on computer stuff....watch the movie "The Net". It's darn accurate.
where on earth can you get hold of a free credit SCORE - no strings attached?
Answers:
You can get a free credit report from www.freecreditreport.com, but you enjoy to MAKE SURE you write down the cancellation instructions and follow them by the specified deadline, or you will be charged. (I'm a accomplice of www.freecreditreport.com) If you haven't already gotten a credit score or report this year, the bureaus will bestow you ONE for free per year (w/o having to establish or cancel anything). You can give the name to order one at one of the phone numbers below.
Equifax (8OO-685-1111); Experian (888-397-3742); or Trans Union (8OO-888-4213).
Other Answers:
freecreditreport.com
You can get a free credit report over the internet or by writing the credit bureau however, for the evaluation itself there is a minimal tax. You can't.
You can get a copy of your credit report once a year for free, but to procure the credit score, you own to pay.
Even when you sign up for a "free credit report and score", strings attached, you don't return with your score unless you subscribe, discharge.............I don't think this is party and the fact is this should be changed. But it will cart a lot of folks to change it. They are using this "score" to determine what our reputation is worthy of , credit sage. It has an affect on anyone who inquires on us to loan money and so forth, even so we are unable to find out what it is, in need paying? Not right............. You can not get a free SCORE, with the sole purpose a free report. And where you grasp it from is important, since several sources do not use the FICO scoring method.
Be sure to check what you are getting. Best to stir to the source...
Source(s):
http://www.myfico.com
Curious, if you're a small business and you requirement to report a debt on a debtor's credit report, how do you?
Answers:
SORRY, BUT STUDLY DOESN'T HAVE ALL THE FACTS.
SMALL BUSINESS ALL OVER REPORT TO CREDIT REPORTING AGANCIES.
ALL YOU HAVE TO DO IS CONTACT THE ONE IN YOUR AREA, THEY WILL PROVIDE YOU WITHA FORM TO FILL OUT. YOU WILL HAVE TO PAY SOME FEES FOR JOINING AND THE RIGHT TO REPORT BUT THEY ARE NOMINAL.
Other Answers:
Depending on what program you use for your computer bookkeeping, there should be a place on program's home blind where you can report a impossible debt.
Generally, you can't.
Credit Reporting Agencies similar to Equifax won't even talk to you in the order of setting up an account unless you enjoy at least 500 involved accounts. And by law, they must pre-certify you to who you own a legitimate obligation for credit information.
You can send your dept to a collection agency, and it will be place through them. But it's going to cost you.
If you are a proprietor, or in a similar grazing land, there are groups that form associations and "pool" their accounts to touch the minimum for the CRA's.
But the vast majority of small businesses enjoy no real method to place a report on a debtor without going to court and getting a judgement against them. Judgements are automatically added to the reports.
Why are the long permanent status interest rates lower than the short permanent status interest rates?
Answers:
the investor looks for a long term stable income for his investment thus long possession rates are always lower
Other Answers:
Because investors are going it for the long permanent status , and not confident of the short term at the moment.
Actually, this could be a long drawn-out answer, when discussing loans, returns on investment, types of loans, and such.
Also, you never said if you be talking nearly loans, annuities, or personal investment.
If loans...
it depends on whether you are discussing home loans, personal loans, auto, and/or credit card type loans.
Typically the longer the term when borrowing, the the complex the rate and risk as well.
The investor pool determines the rate they will adopt as a return on their money.
Credit Unions are usually a good place to look to getting a loan due to their "non profit" status, as a edge, thus they can offer slightly lower rates within some cases. But they usually require excellent credit.
if you look at the total interest over the length of time you will find you payment more in the close on the lower rate since you pay on it longer
Usually long-term rates are better than short-term rates because of the extra risk.
When this isn't the case and we hold an inverted yield curve, it's a sign of financial recession because investors are so negative almost the future of long-term rates. The other judgment is that sometimes foreigners want to invest in "safe" instruments and so masses people move into a enduring type of security that its price change relatively to the other types.
Source(s):
http://www.investopedia.com/articles/basics/06/invertedyieldcurve.asp
A basic investment rule is the highly developed the risk you take contained by investment, the higher your returns are.
Generally, longer-term investments are view as more risky since you'll never know what would happen within the future. There is more decision and less risk within investments that mature contained by a month or in a year, because you can pretty much approximate better the events relevant to your investment (economic growth rates, industry trends, etc.) because it is nearer to the present. Thus, longer-term investments are more risky and deserve sophisticated returns and higher interest rates.
I reason you have it reversed. The longer the occupancy, the higher the interest. The idea is because the lenders cannot predict how the economy will be within 20 or 30 years, there fore to diminution the risk they lend for a higher rate.
They can usually make clear to how the economy will be contained by 5 to 10 years so they're willing to whip the risk and lend at a lower rate.
Source(s):
My own experience.
The fed funds rate is what is used within determining borrowing rates for lenders. It takes time for long permanent status rates to be affected by rate change by the fed. When the feed started raising rates the 30 year mortgage still fell. But short permanent status borrowing rates have soared especially credit cards and h.e.l.o.c's. Short residence rates are more sensitive to the feds fight against inflation.
I meditate you go it wrong. Its the otherway. Long permanent status interest rates are more then short occupancy.
IT all boils down to the money. A short possession loan has a sophisticated interest rate (IR) than a long term so the lender can formulate there money on the IR.
A long possession looks beter in the short run because you obtain a lower IR but in the long run the Short possession is less IR because you clear it off faster.
How do I foot my Monterey County Bank Mastercard narrative over the internet?
Answers:
online banking next to mastercard set up as a bill payment
Other Answers:
i own the same card .i recompense mine through on line bank.if you have a guard acct se if you can set it up it is much easier doing it that way.