Has anyone notice that using your credit card can result contained by surprises on your bill?
Question:
I heard that credit card companies can charge as much as 30% interest and attach other charges and interest. Even home loans seem similar to a trap lately.
Answer:
There are no surprises if you stay within your credit shorten, and pay your bill in good time and in full -- which you should do anyway. If you don't, credit card charges will devour your lunch -- and dinner too.
yes my freindby using credit they take 1200rps from my acount
Seems similar to i own no adjectives, pls comfort!?
Question:
I am a single woman and my age is 28 years old. My big problem is, very soon I have to earnings a lot of debts which is not mine. 3 years ago, my sister's business almost colaps and to backing her I make a personal loan RM 20000, and contribute all the money to her. I also confer two credit cards under my entitle. Now my sister's business already bankrupted. All credit cards, personal loan I want to pay by myself. I newly quit my job and presently I am jobless. I can't blame anybody or myself, just to ask anybody who can endow with me advice or solutions how to settle everything. With this problem, I can't even make available RM50 a month to my mom. Pity her...I am the only child who graduate. I get the impression useless and sometimes I think I should hop from the 21th floor flats. Pls help...
Answer:
First of adjectives, at 28 years old, no issue what mistakes you have made your vivacity is not over. There thousands of people who hold been worse situations and some at a much after that age. The first thing is promise yourself you will swot up from this and not loan money to ANYONE that will get you contained by financial "suicide". Secondly, even though it's only 6,000 (U.S. dollars), you may want to consider ruin. Businees people use collapse all the time. Don't help yourself to bankruptcy delicately. There are a lot of after effects from doing this but you carry to "start over". Finally of course, you have need of to get a profession and get some money coming within. You can't even begin to seize back to where on earth you want with no income. Good luck.
If you start fixing this right very soon, I bet by the time you are 35 you will be better than you were up to that time. And if you think your vivacity is over at 35 then you may have need of to work on some other issues.
be optimistic other
If your financial situation is so bad, why the heck would you quit your position?? You better find another one SOON.
Stop don’t jump record bankruptcy and attain a job. Of course collapse means no credit cards for something resembling 7 years but you can keep your saloon and house. Talk to a bankruptcy attorney, today.
find a unsullied job soon.
sorry, not much can relieve.
hope everything will get better soon.
ably for starters quitting ur job probably wasnt the best move. you've gotten urself surrounded by quite a pickle and jump from the 21st floor isnt the answer. there is more to energy than money. first thing i would do is try and work things out near ur sister to get some comfort repaying your debts. talking toa financial advisor of sum sort wud assist to. and basically nuckle down and work concrete.
RM20,000. Are you in Malaysia or some other countries. Different countries may enjoy different bankruptcy imperative. My advice is that you should first check out the imperative and policy regarding liquidation in your country.
Dont leap off from the 21th floor. There should be a solution for you. For very soon, you can either 1) borrow money from family 2) find a job 3) negotiate near your creditor 4) find a financial advisor 5) file collapse. But i dont think you should report bankruptch for RM20,000 (less than 6k US dollar if RM = Malaysian Ringgit)
Now is NOT the time to throw a self-pity party.
What you should do, however, is swot up from this lesson. You can NOT give your sister or kinfolk things you don't have. If you couldn't payment back 20,000 RM or the full credit vein on two credit cards, then you can't afford your sister ANYTHING but FREE advice.
That's it!
When you place inherited loyalty above your own financial security, next you get situations close to these where you contemplate suicide. Honestly, loyalty is overrated. You should be at hand as a COMFORTER for your sister. No where does it state that you must be a co-signer for your sister or co-sign her debts or a provider of "nut money" you don't have!
Everyday you stir up is a gift from God. God have determined that you have purpose today. There are some folks who won't take that chance to wake up up. Show God what'cha working with and verbs yourself out of this self-created hole. Show God the depth and richness of your character by slowly but surely turning this situation around.
We adjectives have season where we are humbled and go down from grace. The measure of a man or woman is how he/she act in these times, a bit than in comfort and convenience.
Dust yourself bad. Get a job. Pay pay for your debts slowly but surely and tell your sister to GET A JOB and see your mom some money whilst you get yourself together. It is the LEAST your sister can do since you loaned, or shall I read aloud gifted her 20,000 RM.
I can bring back you into a sales position.. Many of the populace who work with us own in that dream home, the car they want, and can retire back they can collect social security. I would resembling to think we could serve you with your situation, (bankruptcy or not) I longing we could give away the materials (catalogs and price list) needed to populace in your position, but we do entail to be reimbursed for the $6 it costs us to have them produced. If your interested you can email me at
candleman1982@yahoo.com
I hope to hear from you soon so we can start to abet!
~Tom~
Bad credit, home loan?
Question:
i have a judgement for $4,500(from a lawyer office that handle my old credit card debt) and i want to draw from a home loan. is it possible to get a home loan for in the region of $130,000?
Answer:
That judgement must be paid rotten to get a home loan.
u should foot your bills first
either payoff the judgement or try to obtain it removed from your credit report...for more info, talk to a broker
You should pay packet off your bills first. At one and the same time try to make some furrow on yahoo or G00GLE to find out the companies who offers it. It may be that you acquire one inspite of your problems.
To know more you can visit
http://geteasyloans.blogspot.com...
and
http://creditcardbiz.blogspot.com...
The best road to consolidate your credit card debts or any other high interest debts is using a home equity loan. Of inflict, you need to own a home contained by order to apply for a home equity loan. Home equity is just right for you to consolidate your credit card debts because the interest is much lower interest rate than credit card and other unsecured loan. And the best part is it normaly enjoy different terms or repayment period for you to choose from. The longer the repayment terms, the lower the monthly clearing is. If your current financial is tight, you could choose the longer repayment term and wages more when you are at better financial situation.
With a home equity loan, your equity works as the collateral. If your home equity is $50,000, you could obtain a loan up to this amount. You could use this home equity loan to clear up adjectives your credit card balances plus other loans; and you in recent times need to focus on making a single monthly costs to your home equity loan. Read more about it at: http://www.credit-card-gallery.com/artic...
Bad credit is one of the worst problems to enjoy... however there exists a solution.
I will hereby discuss from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would earnings to some minor details,
if someone wants to achieve out of debt today it is pretty easy near a debt consolidation plan, however it may get a bit tricky at times, I suggest you return with as much information as possible online on this first,
a good place to start within my humble opinion is a straight to the point ebook beside question and answer I found :
http://umgarticles.atspace.com/debt-cons...
if it help kindly remember me contained by your voting!.. cheers!
Oftentimes one's credit is not as bad as they chew over though the lenders did change their guidelines not long. I recommend Smart Choice Mortgage. They do business in most states and are your best opportunity for someone to articulate yes. ADDITIONALLY, IF YOUR CREDIT IS SUSPECT, THEY SOMETIMES FRONT THE MONEY TO GET YOU INTO A CREDIT RESTORATION PROGRAM SO THAT YOU CAN QUALIFY FOR A LOAN. Check out the free evaluation form at the source website and a Smart Choice loan officer will contact you within 24 hours. Good luck.
Hello,
you can grasp reliable and flexible loan from Global trust Investments and finance Intl. I am a living witness of their loan program.
Your location dosnt really event you can reach them via: gt_finances@yahoo.com and you will be glad you did
i give attention to that the below website will help you to find the right solution
Bankrupcy?
Question:
When filing for bankrupcy do you own to list brand foreign vehicals?
Answer:
Yes you have to avow all assets but depending on your situation do you have need of to really file for Bankruptcy? Is in that maybe another solution? Also if the coup¨¦ is the only one you own the judge may consent to you keep it and work out payments beside a creditor
Write to me if you need more facilitate billone44@yahoo.com
William Galloway
you list adjectives debts
and all assests
the court ( decide ) will then determine if you fall over inside the guidelines
i have see people beside far too many assests try to allege bankruptcy singular to see the judge reject the application and give an account them to work it out with their creditors
Lots of info here.
Why is CVV (card certification valid) number is other printed on the card instead of keeping it unprofessed?
Question:
In these times, when credit card frauds are on the rise, isn't this foolish to do? Take a scenario when you are making a purchase using your credit card. you hand over the card to the bank clerk for payment If the bank clerk or the sales guy memorises the CVV number and the expiry date, he can efficiently misuse the card. The 16 digit card number will be of course on the merchant's copy of the invoice. These three numbers are more than ample for the fraudster to misuse it on the Internet. Still, all the bank print this number on the card itself. The other thing that beat me is that each card holder is asked to sign on backbone of the card. Again this is an invitation to the thief to study your signature and next forge them. So in any ways the card holder is at risk. If his card is stolen, the thief can effortlessly forge the signature and make purchase. Or else if it is not stolen near is always the CVV which can do the trick for the attacker
Answer:
i think it would be comparatively difficult to remember your PIN and your CVV for each card you hold. I am not worried about CC fraud. You are just liable for no more than $50US in unauthorised charges.
Also, most merchant copies today hold most of the numbers XX or ** ed out except the last 4 or 5 numbers.
If you are that concerned, don't use credit cards. Then you will never hold to worry roughly speaking your identity being stolen.
How long do items stay on your credit report?
Question:
Answer:
It sure is depressing to see so many associates who don't research their answers. Sorry spiff, you too are a bit off next to your answer.
OK, once again..lets adjectives open our books to the Fair Credit Reporting Act...605(c)(1) and 605(a)(4)...(see below)
The reporting extent is 7 years, beginning on the date of the delinquency. Not the end transaction date...not the reporting date...not the charge off date. And it make no difference if they are paid bad or not...they MUST come off after 7 years.
Bankruptcies, judgment, liens and other types of derogatory items are discussed in other areas of this achievement.
depends, inquries sometimes around 2 years,and actual cards you have 7 years,bal or no stability.
up to 7 years and remember u have to rate them off first, them they grasp removed after 7 years
Bad credit items can stay on your report for different lengths of time. If you own a collection against you, it will stay on there for around 7 years. If you are section of a bankruptcy (depending on what kind) it can stay between 7 to 10 years. Im not sure roughly speaking late payments made...it may also be around 7 years.
Inquiries 2-years, lines of credit 7-years from ending date of activity, bankruptcys 10-years from discharge date, collections 7-years & judgment 7-10 years.
7 yrs basic acct's
10 yrs import tax liens/Bk's
It depends on what it is but usually 3-7 years. But your best bet is to check your credit report quartely 3-4 months and see if there's something that maybe on it that you don't know give or take a few so that's really important that you check that periodically.
7-10 years
~Collections and charge-offs: 7 years
~Regular accounts: 7 years after the date of final activity
~Bankruptcies: 10 years
~Judgments & liens: 7 years or statute of curbing (in my state, if you have a charge lien and you pay it, it won't trickle until 7 years AFTER it was paid)
~Late payments: 7 years
~Inquiries: 2 years
What is the use of credit cards?
Question:
if i went to a railway station and i want to lug 10 tickets with my credit card.will it be possible for me to return with those tickets? or it can be used to take ticket for me alone?
Answer:
You could buy 50 tickets if you have enough credit control. Although I think presently a days you would have to hold the other people that you be getting tickets for there beside ID.
Most places will take your credit card to purchase as tons tickets as you want.
In Northern CA definitely.
the use of a credit card is to spend more money as you own ...
upcoming court date for medical debt?
Question:
I have be summoned to court by the cb for medical debt, unfortunately I do not hold a job due to a medical condition and as all the same havent qualified for disability. I own nothing,no checking or hoard account. I am not married altho I be when these bills accured. Ex was already taken to court and judge against and ordered to pay very soon I am being brought for same debts. Since I hold nothing what will crop up at this hearing?
Answer:
Make sure the debt is not out of statute.
Please, please, please travel to Why Chat's site. http://whychat.5u.com
I'm not that familiar but he know all the ins and outs of HIPAA law as well as consumer debt law.
Also go to the forums at http://www.creditboard.com/forums... and someone can lend a hand you there.
Above adjectives do not ignore the summons.
You will probably be ordered to compensate a portion from future proceeds. A lot depends on the judge. If you don't enjoy a lawyer he may appoint you a court attorney and hold a hearing after that.
go to this page, teem out the form and take it from near. you'll be debt free in no time!
Do sudent credit card can be used for Paypal ?
Question:
Yes...Do student credit card can be used for Paypal account ?
Answer:
Yes. It can be used, it is a credit card close to any other.
surely it can used to paypal
yep.
just check your target and make sure its not a debit card tied to someone's details.
Yes, any credit card can be used.
What is constrained credit history?
Question:
I have a predetermined credit history and it is interfering with applications. Is near anyone who knows what set credit history means? Or what I could do more or less it?
Answer:
It means you do not own a long or extensive credit history. They feel they cannot evaluate your credit worthiness because you have not have enough experience near maintaining apposite credit. Get a few (2-3) cards, use them for small amounts if necessary, and reimburse on time over a few months. In roughly speaking 3-6 months, this should greatly help you from lenders opinion you have a restricted credit history. Make sure you do not have to remuneration an annual fee for any of the up to date credit cards.
It means you haven't have much credit.. You have to receive like a store credit card or small loan and product payments on time and build your credit.
To them It funds they don’t know if you are credit worthy. To you it means you requirement to build your credit up.
One why to do so is to stop by your bank and to ask them to bequeath you a student credit or any credit card that will let you build your credit. The bank usually have different plans for folks close to you. Just ask them the same press and tell them you would similar to to build your credit.
P.S. they may ask you to put some money down just as a stopgap collateral that they will give you final is 6-12 months.
consolidation loan?
Question:
ok, my situation is that I have a huge amount of credit card debt and a few other loans. I am not a "big spender" and financially responsible but a few "curve-balls" that existence has thrown me have left me within a hole I don't know if I can climb out.
What I am hoping to do is either do a debt consolidation loan or I don`t know 2nd mortage. I own a home but other family member stay there and I be hoping to one day own one for myself.
So I guess my examine is what are some of the pros and cons of debt consolidation. What would I do or need to do to whip out a home equity loan?
Answer:
The main problem near debt consolidation and a 2nd mortgage is that one more curveball can give up your job you (and your relatives) without a house.
There are alot of foul people out in that who don't give a damn almost you and will offer "debt consolidation" and craft you think you are getting into a better business but they just want you to non-attendance so they can get your property.
But, within are also some not-for profit debt counseling services that will advise you. Some are sponsored by reputible lend institutions to help folks just approaching you. I'd go to a wall and ask one of the loan officers for a counsel.
You are in alike situation I was surrounded by five years ago. Today I am debt free, except for my house.
The solution for me was not to whip out more loans, but to increase my income. For me, this meant longer hours contained by my business. For others this means working extra hours, or getting a second mission, working nights or weekends.
There is no effortless solution. The only entry I can offer is encouragement. I go from $120,000 in debt to $0 contained by about 3 1/2 years. It can be done. If you want mention material and step by step instructions, I would suggest Dave Ramsey's "The Total Money Makeover".
http://www.daveramsey.com/shop/the_total...
It is individual $15, and can walk you through the process I used.
Good luck!
the advantages of consolidating using the house as collateral are
1: a lower interest rate because the loan is secured
2: if you itemize your levy return the interest is tax deductible
But you necessitate to be careful to not start running up the cards again and also when you acquire the the loan make it a fixed rate one so the interest doesn't start going up a year from in a minute. Generally this would be a fixed rate on a home equity loan not a home equity line of credit.
The following site have centers for both debt consolidation and equity loans. They have great information and free quotes on both. Just use the menu on the departed to look through both centers.
I am a private lender and i came across your ad
i am a well prearranged UK based lender who extend to other countries next to very considerable interest rate and long occupancy to pay depending on the amount needed.
if interested reply as soon as possible
thank you
Mr Phill Moor
email phillenders@yahoo.com
Tel:+447011137447
Has anyone ever have any problems next to NCO Collections?
Question:
They represent Paypal.
Funny how you pay for something next to a chek, it is traceable but they say you didnt pay packet. Hmm..
Either way the supervisor I talk to was Hardy Wright and he be rude as can be. He wanted me to fax a copy of my check to him. Yeah right beside all my mound numbers on it, there is too much fraud to do that.
I call Paypal and gave them the info and said pilfer care of it, they show me as compensated and account closed, they said they will pinch care of it.
Stay away from Paypal, they are crooks
Answer:
You be right to not fall for the "distribute a copy of the check" spiel. If you had you would probably find your sandbank account drained (and yes they do that short even filing a decree suit)
You shouldn't totally depend on Paypal to take watchfulness of the problem.
Send NCO a debt validation letter, especially if you are still in the first 30 days from thier first contact to you.
If you are still within the first 30 days, NCO "must" discontinue "all" collection activity until they "properly" substantiate, which includes not being competent to report on your credit reports or not even being competent to verify a dispute you make if they are reporting.
Put the globe in their court and craft NCO prove that the debt hasn't been remunerated.
Send everything certified mail return reception.
NCO is a collection agency. They're as obnoxious as any other collection agency but I seriously doubt they'd do anything with your check if you faxed it to them. If you're that worried going on for fraud, you should probably never write a check at all as your justification number is always on it for anyone that handle the check to see.
Fax them the check. cover up the account number but if you want to whip care of it, dispatch them the front and back of the check.
I've used PayPal for years and never have a problem with them. It works fine as long as you payment your bills.
******************************
Nice name calling. Where surrounded by here did I say you didn't earnings your bills? I said I've never had a problem next to PayPal and it works fine as long as you pay your bills. I DID NOT speak that you didn't pay yours. I said I compensated mine and have not have a problem.
Check
www.budhibbs.com
He is considering them one of America's ten worst.
I just not long received a letter from NCO something like a bill from 1995 and no I am not kidding. After spending 1/2 hour on the phone trying to clear up it is for an electric bill at a place I never lived at. I hold spoken to two different people at hand and all I am getting is "salary or we will ruin your credit for 7 years."
Echo is right. This is a favorite tactic of collection agents.
You'll love this one."Just send us a check for $5 as a honourable faith clearing that you will pay your debt to us..."
Next entity you know, you have a lawsuit on you, which you will lose. But presently the collection agent has your guard information.
Remember, the hardest part roughly speaking collection a debt isn't the court casethat's easy to win. It's collecting the debt! Once they know where on earth you work or bank it's simple to frills your money.
Fayeyou are a collection agent, right?
I have deal with Mr. Wright up to that time usually with righteous results.
Wow. Way to beat up on folks trying to answer your question.
NCO are jerk. But geeze. You don't have to be a shove too.
Experian will do credit disputes online singular, the other 2 do snail letters, which is best ?
Question:
Oh my, what a job I enjoy. Long story, not my fault, discouraging health, but ... if you hold experience or knowledge within doing credit disputes, about 25 to be exact, did you use snail post with 2, or did you use online dispute near Experian as in grill. I will take any relieve and advice you'd close to to give. Help please.
Answer:
When starting credit repair you should opt out (look surrounded by my profile for the FTC Opt Out link) and also update your personal information on all three credit reports.
It would also be the best if you ordered your salaried reports from each CRA (credit reporting agency) fairly than ordering your free FACT-ACT reports or using a tri-merge report.
Using the free reports give the CRA's an extra 15 days to investigate your complaints. Tri-merge reports are known to be not exact in themselves.
The disputing spell is 30+5 days when using a paid report. The CRA's hold 30 days to investigate your dispute and the 5 days is the general time for mail the results.
When you have an influential dispute going with the CRA's - "never" contact the CRA's for "anything" until they hold completed their investigation. If you contact them, even if it is for something that has zilch to do with your dispute, they will probably make a payment an extra 15 days onto your current dispute.
For your first dispute you might do a handwritten blanket dispute. If you have frequent that are showing the same violation you might say that you are disputing the following accounts for <reason>. Please investigate and correct the accounts or delete them if they cannot be corrected (use wording that you are comfortable with). Then roll the account numbers.
After the CRA's complete their investigation of the first dispute and at hand are still remaining inaccurate TL's (tradelines) start disputing them contained by small groups of maybe two or three at time.
Disputing online is fine and some do that next to success. I intuitively prefer to mail contained by my disputes, keeping a copy of the dispute in my files.
There are a few reason why I prefer snail mail. One is if a handwritten dispute is mail, it has a fitting chance that it will be looked at by a live entity and not automatically verified by a machine.
Another is if it ever comes to a point where on earth the CRA's or the data furnishers verbs to violate my rights by verifying and reporting inaccurately, have a hard copy to use when file complaints with the BBB, FTC and state AG's is far more decisive.
If it has to dance further, with a decree suit for violations, the courts prefer the tough copies over screen shots.
the above is my feelings
You can actually dispute online near the other two bureaus as well.
Hi in that:
I had a bit mess with my credit next to all three agencies when I refinanced my house 2 years ago. They have me mixed up with someone who have a name close to mine. Anyway, I did it online next to all three. I don't know why you can merely get Experian to do it this way/ Anyway, it worked better for me online as I could see the info I sent within, if they had read it and the status. It be pretty quick as far as credit agencies go-about 1-2 months. Experian be the worst though. They had multiple mistakes that the other 2 credit agencies did not enjoy. But just follow up, take home copies and keep checking. I kept files of adjectives 3 agencies separately and it helped me to maintain track of the progress of each and if they have in certainty addressed my mistakes. ASK THEM TO SEND YOU AN UPDATED AND CORRECTED CREDIT REPORT. When you receive it, recheck it and spawn sure all mistakes are corrected. I have about 12 disputes and I of late highlighted them on my original copies and compared them near the updated corrected ones sent to me by the agencies after I disputed them.
Sorry about this. It is a niggle but will get resolved. Also, try calling if you can and seeing if that will expedite at adjectives.
Disputing them on-line is the best way. If you would similar to to learn how to repair your credit after visit
http://www.thecreditrepairmanual.com...
any suggestions on how a recent immigrant can reorganize credit?
Question:
Answer:
Your problem is that it is hard to obtain approved for credit because you have no credit history individual an immigrant -- yet how can you build credit history when no one's giving you credit. It's a chicken-and-egg situation.
Being an immigrant close to you, what I did was to:
- Go to the hill where I own accounts and asked them to give me a credit card.
- Go to department stores and apply for a store credit card (Macy's approved my credit application but JC Penney rejected me)
- If you are planning to buy furniture, most furniture stores are tolerant in giving store credit cards
- Check out other stores where on earth you normally shop such as Gap and apply for a store credit card
I have (and still do) have ideal credit but my first two years was tough because I other get rejected for credit application because of insufficient credit history. Or if I could receive a loan, I would be slapped with a lofty interest rate (when I bought my first car, I be charged with 17% interest rate). But clear your bills and check where else you can seize credit to build your history.
You don't need numerous store cards, usually they charge remarkably high interest rates - that's why they're a short time easier to get. What you necessitate, is to open 2 lines of credit, you should draw from secured credit card without a problem - some bank do it, sometimes without media hype, it's best to ask. After a while - 9 months to a year of having the stability in moral standing (basically, charging no more than 25-50 % of the card limit every time and paying it sour in full once you achieve the statement), they give you the money backbone and unsecure your card. Make sure the institution reports to the 3 credit bureaus.
Problems beside credit report, and what can be done?
Question:
My husband can't check his credit report online because you have to answer them 4 question at the begining. Such as me, I have a coup¨¦ loan in my autograph and have to answers question about how much, who I financed through ect. ect. On his it asks going on for his morgage out. MY HUSBAND DOESNT HAVE A HOUSE?? hes 22 and im 20 , we've lived in an apartment for 3 years together. I dont know what he should do. WE've compensated the money and can never get through to see why he owes 6000 to some morgage company? What option are there to help yourself to? We have be turned out by everyone because of this. Can we sue for having to remuneration a 28% interest rate on our car because we be considered bad credit or what? I'm not sure. His father and grandpa own the same full identify expect its jr and hes the III . Could it be one of theirs on his name? IDK but I really hope we can sue and catch money put towards our creidt because we can't get anything because thats be holding us down for a few years adn we never know what to do.
Answer:
I am hearing a great deal of complaints about how strict the credit reporting agencies are individual about this.
It happen to me this year.
Go to their web site and read exactly what they want from you as a form of passport. Drivers license, SS Card, utility bills are fine. NEVER bank tale statements, employee ID decoration, or other such information.
If they still deny it, you need to contact a rep and constraint to know exactly what they wish to know. And remind them that the canon demands that they supply you with your report. They enjoy the right to demand a satisfactory amount of identification.
As a closing resort you can go to a notary public next to a letter stating who you are, and enjoy it notarized. That should constitute enough proof to grasp your report. I haven't tried it yet (was all set to) so be prepared to fight next to them.
Since your husband and his father and grandpa have equal name, I can report you that my brother, father and grandpa have adjectives had credit issues too because of like peas in a pod name entity. My brother continues to add on to his horrible credit and my father continously fight with creditors and credit bureau's concerning the information that is NOT his. My direction to you and your husband is to put a flag on his credit report...for the stuff that is already at hand, send LETTERS to the companies for them to investigate, by sending correspondence they have 30-45 days to respond to you, also dispute it through your credit report. If you would close to more information regarding this, afterwards email me at babiegyrl80@yahoo.com, i have alot of experience contained by this, I also have an associate that will transport the letters for you and verbs up your/his credit the correct way for a small charge.
call that company up and see what they can do and try to a copy of your credit report through the messages..
Are you sure that it could be problems with his father or grandfather and credit companies getting them confused? Or is within a possibility that he could be the victim of identity thieving? A lot of identity theft right very soon isn't from criminals looking to exploit people and run up fraudulent debt. A lot of identity breaking and entering is from criminals making false id's and selling them to illegal immigrant to get a officially recognized job, buy a house or motor, etc. Get a lawyer that specializes contained by identity theft to look at the event. If his identity has be stolen, it will be a long expensive process to recover your label, but it can be done. Also, as someone else mentioned, flag the credit reporting agencies. Let them know something fishy is going on and that you need assistance.
hi