No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Atryxia wrote:
Greetings, I've been reading the forums the past few weeks and the things I have learned from the members here is absolutely amazing. My husband and I just recently decided to buy our first house and when we had our credit reports pulled, were we ever shocked to see some things on our reports we had no idea were there. In short, I have sent off Validation Requests, and disputes. I have a collection on my report from Allgate Financial, LLC for a debt owed to Cash Net USA for $1500. I have never heard of either of these companies and know with 100% certainty that this debt is not mine. I mailed a Validation Request to them a week ago, and received a package in the mail from them today basically asking me to validate that the debt is NOT mine. They state that the letter is NOT an attempt to collect a debt, but they acknowledge my request for validation. The second paragraph reads: "In order to supply you with the best possible information to accurately satisfy your needs, we require additional information on the nature of your dispute. Please check the appropriate boxes below that apply to your situation". Then I am given the choices (I am the victim of identity theft, the account was paid prior, I dispute some or all of the charges, other....) I am a novice so please forgive my ignorance, but where do I go from here? I don't know that I was the victim of identity theft, this is the only thing on my credit report I am sure does not and never has belonged to me. Any suggestions/advice is greatly appreciated.
@Anonymous wrote:
Any additional help on this is appreciated. I'd like to get my response out to them tomorrow if possible. Should I just send their packet back along with a note stating that it is indeed my name and address, but the account does NOT belong to me and never has?