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Recent Credit Report questions
I am being asked to give up or waive my rights provided to
I am being asked to give up or waive my rights provided to me by GLBA, DFA, the CFPB by the settlement agent. I wrote a letter explaining why that is ridiculous, I am not going to do it, there is no reason to ask me to do it unless they plan to use my NPI for some unscrupulous reason such as: political reach, non profit or profit charities businesses, or commercial profit. I am well aware how ID information is shared traded and sold. I want to know what can they do about it if I refuse to sign A release of my NPI. I want to send you a letter I wrote so you can read it and let me know if I am putting myself in a position that makes me vulnerable. They even suggest, for my own good, they are informing me that I need not worry about violating the rules of the GLBA, DFA, the CFPB. How on earth can I violate myself? Worst this is an agreement that they created for me to send to them. Who does it protect? Them. My realtor told me today she knew nothing about the document and she never had a client requested to sign one.
I applied for a graduate plus consolidation loan. However, I
I applied for a graduate plus consolidation loan. However, I received the following message:"You have selected an income-driven repayment plan - Revised Pay As You Earn (REPAYE), Pay As You Earn (PAYE), Income-Based Repayment (IBR), or Income Contingent Repayment (ICR) - and have indicated that you have a spouse who must sign the Income-Driven Repayment Plan Request portion of your Direct Consolidation Loan Application".Does this mean that my spouse will also assume the responsibility of the federal consolidation loan? I don't want my wife to bear any responsibility for the consolidation loan. Why is my spouse required to also sign for it? I don't want this loan to show up on her credit report. Will it show up on her credit report?
Gerald, I have a student Loan from 2002 that seems it was
Good Afternoon Gerald,I have a student Loan from 2002 that seems it was consolidated to FFEL which shows on nsld site. This loan was default since 2006 i believed it was a Sallie Mae and has impacted my credit until last year which it was taken off. I have successfully rebuild my credit and last week I got a letter from Wyndham Professionals collection agency saying they would garnish or come after me. I figured since it was off my credit that it was charged off and gone is there a statue of limitations to collect and effect my credit again? I haven't contacted or spoken with any one. after research i was thinking to send them a time barreled letter
A small business (1person LLC) said he will report me to
A small business (1person LLC) said he will report me to collections because I have asked for an accurate invoice from him and not paid the inaccurate one after 24 days. He has lied about the amount of time on our property working (which we have security video proof of) and has now said he also will charge for travel to and from our home which he never mentioned before. He did light yard work, there is no contract. He has called and text me numerous times. I have text him to send a correct invoice and we are happy to pay. He has yelled at me via phone and left a few messages, one very rude. What can I do? I have excellent credit, have never had collection involvement and this guy is a repeat convicted felon for theft and drugs. I really don't want this unethical person to affect my credit. Thank you!
I am in the military, and I keep getting these letters sent
I am in the military, and I keep getting these letters sent to my office stating Final Settlement OfferThey state different banks and I owe a balance of $28,163.00They go on about a payment plan and instruct me to call a 800 number.In small print at the bottom states "Assistance Center is not a debt collector or creditor and have no affiliation with credit reporting agencies or the government". There is no letter head or return address just the phone number.I know its a business misleading me to believe that I owe money.I am on top of my finances and have good credit.I do not want to receive theses letters anymore due to the fact it may lead my superiors to believe that this is a collection agency and that I am not paying my bills. Not paying bills on time would revoke my security clearance.
MN Legal Question To whom it may concern, I have had many
MN Legal QuestionTo whom it may concern,I have had many issues with my ex-boyfriend over the course of the past year, and was hoping I could get some guidance on the best way to approach the situation(s).To begin with, he opened a number of credit cards in my name (some he placed himself on the account as joint status, some as an authorized user, and some I was the sole individual on the account.) A couple of these I was aware of and agreed to, some I was told by him that I was just an authorized user (where in reality, it was actually just me on the account). This happened over the course of the past couple of years. He lost his job eight months back, disappeared for a while, and I got stuck with all of the debts on the cards, amounting to well over $10,000. I tried to act on a couple--went as far as calling and submitting fraud claims--but backed down when he said he would pay me back as soon as he was able. I was reluctant to pay for most of them, but ultimately ended up making payments when I saw what it was doing to my credit. It has been months since I discovered the problems with these accounts, and I still have not been paid by him and am tired of waiting. One account for an AmEx card I tried to contact again recently, and the woman in the fraud department said I was no longer able to act on the fraud claim. Should I expect that with all of the accounts; does it imply responsibility for the accounts, that I have been making payments; What are my options?Another issue I have run across is with my 401(k) from a previous employer that I had not yet rolled over to my current account. In May of this year, I had discovered that he had gone into my online account in December 2015, requested to withdraw the balance of the account (approx. $13,000), got the letter with the check in the mail, forged my signature, placed it into a joint account we had for bills. All of this occurred while I was at work. I knew the joint account idea was an awful one, and I had refused to be added for over a year, but was constantly being harped on about it in that same month he did this, so I gave in, thinking "What's the worst that could happen?" Anyhow, Prudential sent me a photocopy of the check to verify the signature was not mine, and I sat on it for a couple of months because I got the same line about how I would be paid back. I finally called back once it became clear I was still not going to be paid, and they sent me a form to fill out and return that stated I did not authorize, receive, sign, or benefit from the proceeds of the check. I'm not at all sure what he did with the the money. Is it going to be a problem that he placed it into an account where I was a joint account holder? Is there any particular way I should be handling this one?Finally, there was also an issue with my tax refund for this past year. We shared a computer and he would frequently go through my emails and logins for websites. TurboTax would send me notifications of when they received my W-2's, and I was waiting on one more to go ahead and file my taxes for 2015. Well it came in while I was at work, he went ahead without my permission and filed my taxes. I came home, got upset, but ultimately thought "Whatever, I'm still getting a refund." Nope. He had set it up to go into that same joint account. We had a huge fallout between the two of us in February, a week and a half before the deposit hit. I talked to TurboTax, they said once it's submitted they cannot do anything. I talked to the IRS about rerouting the funds, they said they could not do anything either. I talked to the bank about blocking the funds, they said there was nothing they could do, and that I should just watch the account like a hawk. It finally came in one day at Four or Five in the morning, and he immediately transferred the funds to his personal account. I had this whole debacle with the bank because the funds showed back up into the joint account, I transferred them to my personal account, but apparently it was not valid because some glitch had been caused in the system. When I saw that the account was negative two times the amount of the refund, I went into the bank to see what the situation was, explained my situation, and the bank manager said that I would receive the funds once they had worked it out. Ultimately, they gave him the funds, thought that there was some sort of wire fraud trying to be committed, and now neither of us can bank there again. What is my best way of handling that entire situation with the taxes?I made the mistake of trying to be lenient on someone who is clearly deranged, and I'm worried I may have waited too long. I wanted to believe he would do the honorable thing and pay me back, but it just did not happen. Any advice would be more than appreciated, because at this point I am out close to $30,000.-S
My vehicle was stolen and insurance company wants all myView more legal questions
My vehicle was stolen and insurance company wants all my girlfriend's credit history and phone records. I am the ink one on my title. So why ask? And they want to call everyone on my phone records. This is in Michigan and the vehicle is a 2002 Chevy Silverado.