topic Re: Is this a CA being clever? in Rebuilding Your Credit

Is this a CA being clever?

Anonymous — Thu, 17 Jul 2008 01:23:20 GMT

Since I started the rebuild process 3 weeks ago, CAs have been calling. Have been letting the calls go to voicemail. No I am getting a message about every other day that goes pretty much like this,

" Hello this is so and so with GSI(I think that is what she is saying). I am calling about your credit card debt and the high interest you are paying. I have your record in out database and I think we can help you get from under that high interest. .........."

Now the only CC I have right now is a Rewards 660 that hasn't even arrived yet.

Is this a CA just trying to be clever and get me on the phone?

Message Edited by richmc on 07-16-2008 06:23 PM

Re: Is this a CA being clever?

Anonymous — Thu, 17 Jul 2008 01:24:18 GMT

GSI is the name of a CA.

I would google the phone number or go to http://www.whitepages.com/10866/reverse_phone

and look it up.

Re: Is this a CA being clever?

Anonymous — Thu, 17 Jul 2008 01:58:34 GMT

But I take it that CAs do use these kind of tactics?

Re: Is this a CA being clever?

Anonymous — Thu, 17 Jul 2008 02:06:31 GMT

They will try anything!

Is this CA listed on you CR?

Re: Is this a CA being clever?

Anonymous — Thu, 17 Jul 2008 02:16:32 GMT

No it is not on any of three

Re: Is this a CA being clever?

Anonymous — Thu, 17 Jul 2008 02:24:59 GMT

If it were me I would ignore them. They should mail a letter soon. The law states that after they contact you by phone which means they had to have talked to you. They must send a letter within 5 days....they can not report until you get a letter....now most just start reporting without talking to you or sending a letter.

You can also send them a letter CMRRR just telling them NO phone calls contact you in writting ONLY.

I would not DV until you get a letter or they report.

Re: Is this a CA being clever?

Anonymous — Thu, 17 Jul 2008 03:49:11 GMT

This is a scam-

Add phone numbers to Do not call list and file complaints

richmc wrote:

Since I started the rebuild process 3 weeks ago, CAs have been calling. Have been letting the calls go to voicemail. No I am getting a message about every other day that goes pretty much like this,

" Hello this is so and so with GSI(I think that is what she is saying). I am calling about your credit card debt and the high interest you are paying. I have your record in out database and I think we can help you get from under that high interest. .........."

Now the only CC I have right now is a Rewards 660 that hasn't even arrived yet.

Is this a CA just trying to be clever and get me on the phone?

Message Edited by richmc on 07-16-2008 06:23 PM

Re: Is this a CA being clever?

FICOMari — Thu, 17 Jul 2008 14:55:53 GMT

Seems like they are trying to pull one over on you. Speaking of clever tactics, I had one creditor send me a letter stating I was PRE-APPROVED for their Visa Credit Card and how they would transfer the debt I owed to the CC and while I made monthly payments it would help me build my credit. What a joke! I have been lurking the forums for about 2 weeks now and I have LEARNED so much!! I have made some attempts to correct my CB reports by paying my old debts and now I realize that it was detrimental and costly mistake because I could have tried to PFD those accounts!!!

Re: Is this a CA being clever?

Anonymous — Tue, 22 Jul 2008 18:26:48 GMT

I never answered. If a number comes up in caller ID that i do not know I let it go to voice mail. Still getting the call about once a week.

Re: Is this a CA being clever?

Ceejay1978 — Tue, 22 Jul 2008 22:49:48 GMT

richmc wrote:
Since I started the rebuild process 3 weeks ago, CAs have been calling. Have been letting the calls go to voicemail. No I am getting a message about every other day that goes pretty much like this,
" Hello this is so and so with GSI(I think that is what she is saying). I am calling about your credit card debt and the high interest you are paying. I have your record in out database and I think we can help you get from under that high interest. .........."

Now the only CC I have right now is a Rewards 660 that hasn't even arrived yet.

Is this a CA just trying to be clever and get me on the phone?

Message Edited by richmc on 07-16-2008 06:23 PM

Its a sales call. I get them at my work number. Ignore them!

Re: Is this a CA being clever?

Anonymous — Wed, 23 Jul 2008 07:24:44 GMT

Yep before long they may be calling several times per day! I have to agree with Timothy ~ get on DNC lists, PLUS google the number, a bunch of sites will come up, including "whocalled.us" where you can enter the phone number & a comment about their calling patterns and make sure you file a formal complaint.

Re: Is this a CA being clever?

Anonymous — Wed, 23 Jul 2008 12:04:50 GMT

I signed my number up on the do not call website the day I got my cell phone. I am opted out also so this is why I think it is a CA trying to get me on the phone any way they can.