I am trying to get incorrect items off my credit report. i
i am trying to get incorrect items off my credit report. i have written to the credit card companies for specific information, that i am allowed according to the fair credit reporting act and fair debt collection practices act. the companies i have contacted have not responded within the required amount of time and i am ready to file a small claims action against them. I want to know if i can file a small claims against a company in another state and if so how do it do it?
I walked into a cellphone store to ask questions ONLY. I am
I walked into a cellphone store to ask questions ONLY. I am on an account with my husband. I asked about each plan, how much GB, how much to add a tablet to exsisting account, asked that IF I were to have a separate account in the future could I be grandfathered in on the same plan.The Sales associate then asked for my license and Social Security number. I thought it was to confirm I was on my husbands account. He returned and told me that since the carrier no longer offered that plan I should stay on with my husband. I told him I was comparing prices but nothung was going to happen that day. Just inquiring. He answered the other questions and I left the store.2 days later I get a message from my identity alert. The Message read that someone made an inquiry on my credit. It was the Cellphone Store!I went up to the store the next day. The store manager said the rep was not working that month. He checked out the info and agreed that the rep should not have had my Credit pulled. He tried to no avail in finding out how to reverse it. He called headquarters, his District manager etc. They all said it was irreversible but that it was a soft pull. I asked the Store Manger to please stay on top of this and give me a call once he had some answers.The next week, he text me and said they could not find an application or contract under my name. I replied, " Of course not I did not fill out a contract nor did I give them permission to pull my credit.He did not reply.It is now August. I have yet to hear back from the store. I waited to see how much damage this soft pull would do. The first hit my Experian in June like 24 to 30 points. I then contacted my Credit Repair agent who helped me get medical collections off my report. I hired them in March/April as I had plans to purchase a home by July/August. I had planned to open an In home Daycare as in September I will be cut to Part Time hours as school begins. I am currently a nanny. The agency was a ble to help me clear the Medical collections off my report bringing my score up to a Fair and good one so that I could apply for the loan my realtor and Mortgage broker said I qualified for when I get my score up. I began looking at homes again and up til my credit was hit, I thought I had found the home I wanted. I was devastated and slightly depressed. How could this have happened? I was so close to becoming an entrepreneur! I have my Daycare Name, children lined up and everything!The Credit Repair Agency gathered my information along with a letter stating what happened that day. They have yet to hear back from the Cellphone Business. Fast forward to August. On August I received another alert. This time it was from Equifax. I checked it and thus time, I was in tears. I have been in tears everyday ever since. The fraudulant inquiry this cell phone business made has lowered my score with Equifax -52 points!!! FIFTY TWO POINTS!!! I am disgusted at how I was so close to obtaining this goal and then someone who was not trained properly can come in and mess everything up. By June my score was up to 736 on my Consumer Report. By August, this unauthorized illegal inquiry knocked it down to 684!I mean business now! This has gone way too far. I contacted the Bueau whobsaid all tgey need is for the Cellphone Company to contact them about the incident. I called the headquarters. After 45 minutes going from department to department, a gentleman said no one could help me but he said he was willing to speak to the bureau and tell them it was unauthorized.I couldn't call him til the following week because I had already wasted work hours trying to figure this out.I contacted the Credit Repair Agency. We did a conference call to the company headquarters. Each department said they could not help. Finally they sent us to Financial Services. He concluded that no one in that building could help. He h u ng up the phone on us. Yes, I recorded the whole conversation. I have learned my lesson about trusting this company. One rep said that an account was created in my Maiden name. I did not authorize this. He said it was not activated and no phones on it but dies show they made an inquiry on my credit.The next day we called corporate Executive President office. The analyst for executive presidentry stated that they have no idea why neither the store more headquarters in Ohio contacted the companies Credit Dispute department nor gave me the number. She asked me to submit a letter which we already had written up. I emailed it immediately. The next day, August 10th she sent me an email saying they can not find an application under my name. (Hmmm, I wonder why)? So she's now asking th a t I send a copy of the Credit file and a c opy of my Drivers license to prove my complaint is true.This is quite overwhelming. I will send in what she asks. Should I seek an attorney to sue for fraud and seek restitution for anguish, time-lapse in home purchase etc?
I just bought an insurance policy car. I got an official
I just bought an insurance policy for my car. I got an official quote of 1200 dollars a year, on company letterhead, with a date and a 'valid through' period. I bought the policy within that period but then found out I was being charged 1700 dollars a month. The insurance company refuses to do anything about it. Is there anything I can do? This seems like fraud.
In Utah, a creditor can go after someone's spouse
In Utah, a creditor can go after someone's spouse for a medical bill. One day I got a letter from a collection company for a $40 bill of my wife's. I knew nothing about this until receiving a collection letter. I called and it turned out the provider had billed the insurance incorrectly, but my wife thought the thing had been paid. This was the creditor's error, not my wife's. They got paid and told me they'd remove it from my credit report. I just found out they did not remove it, they just zeroed out the balance. I now have a collection on my credit report for a debt I never even knew existed until getting a collection letter, and what is more they listed me as a cosigner for this "debt" which only existed because the provider screwed up the billing and of which I had no knowledge until after it was in collection, let alone ever cosigned. Is this legal?
Back in February of this year, a consumer reporting agency
Back in February of this year, a consumer reporting agency ("CRA") provided my consumer report to a small mortgage company. I have never applied for credit with this company or ever had any business relationship with them. Moreover, the mortgage company has been out of business for three years. I exhaustively searched various secretary of state records and the company is indeed no longer in business.I sued the CRA for violating the Fair Credit Reporting Act, specifically 15 USC 1681e(a) and 1681b. We settled out of court.Unbelievably, I just discovered this same out-of-business company has once again obtained my consumer report. I apprised the CRA and they asked me to make a settlement demand.Because the CRA had knowledge that the mortgage company was no longer in business and, in my view, again violated the FCRA, what would be a reasonable settlement demand?
Through arbitration, I came to a settlement with a bank
Through arbitration, I came to a settlement with a bank for a business line of credit.It involved 42 monthly payments. After @ 30 payments I made an offer for a final payment/settlement for less than the remaining 12 payments.The attorney who was receiving payments did a hard check with my credit report.This does not seem to fit the general category of someone who has a right to monitor my credit because of a credit agreement.Was this attorney in breach of the law?(I have been working with a credit repair agency and have minimized any hard checks. This one showed up as 1 of 5 for the year of 2015).thanx, Mark
Counselor at Law
Based on the information I received from myBankrate, Credit
Based on the information I received from myBankrate, Credit Karma, Equifax, TransUnion, and Experian, my Credit Score is in the range of 712 -738. There are a few negative items.I applied for an Auto Loan at AutoNation Honda, Rick Case Honda, Wells Fargo Bank, Bank of America, CARMAX, Ford Motor Credit Co., Nationwide, OpenRoad Lending & few other, the info received from the 3 credit agencies are completely different from what I have plus accompanied by an "adverse factors" list as follows:"We also obtained your credit score from the consumer reporting agencies and used it in making our credit decision. Your credit score is a number that reflect the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. Your credit score was XXX, (the range stated goes from 512 - 567), as of September XX, 2015. Credit scores can range from a low 250 to a high of 900. The key factors that adversely affected your credit score are:• Serious delinquency and Public record or Collection filed• Too Few Accounts Currently Paid as Agreed• Lack of Recent Bank/National Revolving and Mortgage Balance Information• Level of Delinquency on Accounts• Inquiries Did Impact the Credit Score, But No Derogatory Information Was Found"I discussed the discrepancies with a Customer Service from Equifax & she wasn't able to tell me why there was a difference from the one received and the one by the Auto Loan companies. I checked with the Finance Mgrs. to determine whether their info came directly from credit agencies or 3rd. - party. They stated they did NOT use 3rd. parties.I showed them my reports, nobody could figure out the discrepancy, (over 150 point's difference). Only Wells Fargo Bank & an Auto Finance company extended credit however the APR was 13% which was higher than rates on the Credit Score provided to me.I asked the Credit mgrs. & Customer Service from Equifax whether the different "credit inquiries hits" would affect the Credit Score, they told me it was being done in a short period of time, and it was understood that I was shopping for a car and they would be considered 'one inquiry'. Bank of America & others did taken into consideration as "too many credit inquiries".The Financial institutions tell me the problem is Equifax and other credit agencies. Equifax tells me there is nothing to "repair" because the information I have is the one they reported. There is a discrepancy of my credit info between the 3 credit agencies and financial institutions. (The same occurred when I applied for a cr. cd.) It would help where is the problem to correct it and the same information on Credit Score and info to be supplied.Your cooperation on this matter is greatly appreciated.
We sold a pickup to a couple from out of state. We had work
We sold a pickup to a couple from out of state. We had work done on it before selling it. After the couple had it for a few months it started smoking and they had to replace what our mechanic did. Cost of over $4,000 (Replaced all the injectors...). Also we had bought a part that our mechanic said he put on for us, but the mechanic that did the work for the couple said it was never done. Our mechanic is refusing to to do anything about this and the couple wants us to do something. The couple had done research on the truck before we sold it to them and knew this type of vehicle had this problem, but we assured them we had it fixed and showed them the paperwork from our mechanic. They said they would not have bought it if the injectors had not already been replaced. Is there anything we can legally do?