Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 560
Registered: ‎09-29-2012
0

Re: I'M FURIOUS SOMEONE PLEASE CALM ME DOWN!

Perhaps you have a common name?  Or a name very simular to someone who owes the debt?

 

Either way, I would love to know what a mod or experienced contributor has to say about this.  Cuz if this isn't yours and its 20 yrs old, I can't imagine this being legal for a debt collector to do this.

Frequent Contributor
Posts: 344
Registered: ‎10-25-2011
0

Re: I'M FURIOUS SOMEONE PLEASE CALM ME DOWN!

Firstly, this debt is certainly not valid! You need to formally assert the debt collection Statute of Limitations to them. You can do this by either formal letter (if they send a letter or called you) or by legal document such as a debt collection Answer with Affirmative Claims.

 

I had this happen to me just a few months back wasn't even my debt. How I handled it was I contact FTC lodged a complaint, went online and submitted a dispute online with EX along with my FTC ref number and it was deleted the same day! Hopefully you will have the same luck.

Valued Member
Posts: 50
Registered: ‎09-20-2012
0

Re: I'M FURIOUS SOMEONE PLEASE CALM ME DOWN!

I have had debt collectors many times put debts of people with the same name on my Credit reports many times.  Twice just this year.

Call Equifax and dispute it.  Unfortunally it usually takes a week or two before they get it off your report.

So you might want to delay car shopping.

Unfortunally there is no laws stopping them from doing it or legal repercussions so they tag anyone they want with other peoples debts hoping they pay it.

6 Zillion laws in America and they don't have one that protects our credit. 

Regular Contributor
Posts: 106
Registered: ‎04-06-2012
0

Re: I'M FURIOUS SOMEONE PLEASE CALM ME DOWN!


Omaplatypus wrote:

not to be nitpicky.... but why is this in the credit card forum?  wouldn't this be more appropriate in the rebuilding credit forum? 


Its in the correct forum.

 

@OP...... Dispute this listing with the CRA's involved and file a complaint with your Secretary of State.

 

There appears to be other solid advise in this thread also.

 

Regular Contributor
Posts: 108
Registered: ‎01-04-2008
0

Re: I'M FURIOUS SOMEONE PLEASE CALM ME DOWN!

Debt collection agencies have every right to continue to attempt to collect debt past the SOL.  They just won't win in court if they sue...assuming you provide the proper SOL defense.  They can pull your credit report, they can contact you about the debt...SOL has nothing to do with any of that.

 

You need to find out where this debt is really coming from.  Were you ever an authorized user on someone else's Amex?  

Regular Contributor
Posts: 211
Registered: ‎08-23-2012
0

Re: I'M FURIOUS SOMEONE PLEASE CALM ME DOWN!

Well that same company put a hard pull on my brothers CR, and they say its a debt from 1995. Well my brother came to this country in 1999 and in 1995 he was only 16, so he put a a complain through the ftc. They were definitely fishing.
Contributor
Posts: 230
Registered: ‎10-01-2012
0

Re: I'M FURIOUS SOMEONE PLEASE CALM ME DOWN!

Is there a way to stop hard pulls on your CR?  It seems so unfair that any random debt collector can pull your report and cause your score to go down, and you can't do anything about it.  What if you were in the middle of a mortgage?  Doesn't seem to be any clear way to get the inquiry removed.  If you're not in the market for anything, can you somehow block your report from being pulled?

Regular Contributor
Posts: 114
Registered: ‎08-29-2012
0

Re: I'M FURIOUS SOMEONE PLEASE CALM ME DOWN!

Oh wow. I had no idea debt collectors could do that. Smiley Sad That's horrific. 


Wallet: Capital One Platinum - $2000, Amazon - $3000, Walmart - $3000, Discover It - $1000, Chase Freedom - $3000
Current Score: TU98: 678 - 2/2012, Walmart TU - 672 2/2013, Equifax 713 - 1/2013
Goal Score: 700 for all three.
GC Challenge: App free since 1/2013. No more apps! 2015 for mortgage!
Valued Contributor
Posts: 2,512
Registered: ‎11-11-2010
0

Re: I'M FURIOUS SOMEONE PLEASE CALM ME DOWN!


shadow2k wrote:

Debt collection agencies have every right to continue to attempt to collect debt past the SOL.  They just won't win in court if they sue...assuming you provide the proper SOL defense.  They can pull your credit report, they can contact you about the debt...SOL has nothing to do with any of that.

 

You need to find out where this debt is really coming from.  Were you ever an authorized user on someone else's Amex?  


Correct. Most people don't realize that SOL only defines a time period where legal actions are permitted.

 

Getting past SOL does not stop collection agency from collecting your debt.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.