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Credit Report Questions

Credit reports are a list of a person's credit activity during the last 7 years. Credit cards, cable companies, cell phone companies, car loans, etc. are usually all listed in this report. If a person files bankruptcy, that too will be listed on a credit report but will remain on the report for 10 years. Information such as delinquent accounts, missed payments, accounts with good standing, how long an account has been active, or if an account has went to a collection agency. The good, the bad, and the ugly are all listed on the credit report. Lenders use the credit report to determine whether the person is a good candidate for credit. Below are a few of the more popular questions regarding credit reports that have been answered by Experts.

Can my wives attorney run my credit report without my permission?

Your credit report is protected by the Fair Credit Reporting Act which is a federal law that regulates who can have access to a person's credit report and for what reasons. The FRCA states that a business must have a legitimate reason before accessing your credit information. It is a criminal offense to obtain a person's credit information under false pretenses and is punishable up to a year in jail.

Businesses and lending institutions can obtain a membership to credit bureaus in order to gain credit checks on potential customers. However, the members must sign a contract agreeing to use the credit information for legitimate reasons such as employment or loans.

Here are the types of organizations that can access your credit report and do a credit history check: lenders, insurance companies, landlords, credit card companies, companies with which you are seeking employment (but only with your written consent), organizations that are considering your application for a government license or benefit (if the agency is required to consider your financial status), state and local child support enforcement agencies, government agencies, other companies with which you've initiated business.

If someone has a judgment on my credit report was served a summons to an address no longer lived at, is the judgment still valid if the summons was never received?

While the judgment is a valid judgment, you may be able to do something about it. The creditor already has the judgment against you so they don't have to show who signed the summons.

The first thing you should do is file a Motion to Vacate the Judgment in the same court that allowed the judgment against you. You need to contact the court clerk's office to review the file. You will be able to see who (if anyone) signed for the service of the summons. You can hire an attorney to draft the Motion to Vacate or draft your own.

You will need to prove that you were not living at the address where the service was sent and that address isn't a relative's address, you may be able to have the judgment removed. Then you can go to court and deal with the debt.

In New Jersey, can a collection agency check your credit report?

A person's credit report holds certain information pertaining to your residence, your ability to pay debt, and whether there have been judgments placed against you, if you have been arrested or if you have filed for bankruptcy. This information can be sold by credit bureaus businesses, insurers, creditors and employers who use the information to determine an application for credit, employment, insurance or renting a home. The privacy and accuracy of this information is regulated by the Federal Fair Credit Act.

There is a way to stop collection agencies from accessing your credit report. Because you live in New Jersey, you can put a security freeze on your credit report. This freeze keeps creditors from viewing your credit report. Here is the link to the State of New Jersey Department of Banking and Insurance. The information in the link will assist you n putting a security freeze on your credit report. http://www.state.nj.us/dobi/division consumers/finance/creditfreeze.htm

How do I put a judgment on someone's credit report who refuses to pay a civil claim I won against them?

The most direct and easy way to collect would be to let a collection agency take care of it. The collection agency will require a percentage of the money for the collection. The collection agency also has the ability to report the information directly to the credit reporting agencies.

A person's credit report is a list of credit information that has been incurred for the past 7 years. The good credit, bad credit and current credit is all listed for a lender to see. Many people are unaware of the importance of a credit report until they go to the bank and want to take out a loan. Oftentimes, a person receives a black mark on their credit report that is incorrect. This type of score may damage the person's ability to assume a loan or gain credit. If you find yourself in a similar situation, you should ask an Expert for assistance.
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Recent Credit Report Questions

  • trail modification was taken may to august 2013; periment

    trail modification was taken may to august 2013; periment modification started september 2013; recieved phone call from someone stated he works for the Bank and they put default on my mortgage told him he was a scam ; recalled on same phone he called from foun out it was the bank; check credit report saw they have us 120 days late and mortgage lenth 45 years not 40 years that it was noterize twice ;all payments were made on time, drafted out my checking account ;also given confermation numers verification of payments made ; first month of perimement modification they put that 120 days lated also;they violated "Dodd Frank Act" as well "truth in lenthing Act";their reason I was late prior to getting the modification,and the had to bring the act up to par!Did they violated the modification agreement!
  • TIMELINE OF EVENTS W/ 3 ISSUES (1) Letter of Protection; (2)

    I CAN GIVE YOU A VERSION THAT IS FAR SHORTER.  I PROVIDED A DETAILED TIMELINE.  THE LAW I AM STATING REGARDING THE FDCPA IS A SMALL NICHE I HAVE EXPLAINED TO SENIOR ATTORNEYS.  I WOULD BE HAPPY TO EXPLAIN IT & LOOK FOR THE SUPPORTING DOCUMENTS IF IT IS SOMETHING THAT BENEFITS YOU IN PRACTICE.  I REALLY JUST WANT TO KNOW WHEN THE SOL BEGAN TO RUN & IF THEY APPEAR TO BE WORTH WHILE TO SUE OR IF THERE IS AN EASY WAY TO DO THIS BECAUSE IT IS A $1,000 VIOLATION & NOT WORTH MY TIME RIGHT NOW. 


    TIMELINE OF EVENTS W/ 3 ISSUES (1) Letter of Protection; (2) SOL; and (3) FDCPA


     


     


     


    1. Went to doctor & paid 7-21-2009 (NOTE I SIGNED A LETTER OF PROTECTION-states payments would commence 8-21-09; however he DID NOT ACCEPT THE LETTER FROM MY ATTORNEY & I HAD TO PAY UPFRONT.  They may have a copy of this.  However you can tell different pens are used to date the signature or the witness, other dates & amounts.  Also my attorney sent me to another lawyer 8-27-09, and on 4-28-10 the doctor requested payment stating my attorney (the 2nd one) withdrew and thus payment was due according to the LOP provided by him.  *****(1) LETTER OF PROTECTION (a) He never sent them an LOP; and (b) aside from paying the day of service how did I agree to an LOP on 7-21-09 for an attorney I contracted with 8-27-09.  Does not the evidence the fact the rejected my initial attorney's LOP?


     


    2. First bill 9-30-2009; (NOTE: The amount of the bill kept changing and the doctor’s office claimed it had something to do with my insurance company.  I have each bill and notes from each phone call.  My insurance agent looked into the matter, determined they were lying to me and the insurance company.  I do not have written documentation of that and the agent is no longer there.  I applied for status as a Florida Victim and was approved.  The doctor's visit was in relation to the incident for which I was approved as a victim.  I did not receive a document stating "final bill".  Each stated "not a final bill"


    *****(2) SOL:  DOES "not a final bill" AFFECT WHEN THE SOL BEGAN TO RUN?


     


    3. Disputed and mailed to doctor 10-15-2009


     


    4. Last bill I received which stated “not a final bill”: 1-28-11.


     


    5. Letter from collection agency 9-22-11.  (2014 Transunion communication states it was sent to collection 09-2011, but it was NOT reported.)


     


    6. Dispute letter to collection agency 10-12-2011 (Via mail & fax.  Have notes confirming follow up phone call per letter I sent which confirmed receipt of letter & FL Victim status, however I do not believe I sent it certified mail and I am looking for the fax transmission.)


     


    7. 2-6-2012, letter dated from attorney hired to collect the debt with notice I may dispute within 30 days.


     


    8. 2-07-2012: Chase mailed that the alleged debt was reported to Experian 2-06-2012.


        2-10-2012: Chase mailed that the alleged debt was reported to Equifax: 02-2012.


        2-13-2012: I called Chase regarding the matter.


       2-26-2012: Received letter from Chase it was deleted from my credit report.


     


    9. 2-26-2012 – Disputed debt in writing & mailed to collection attorney via Certified Mail.  Receipt shows it was signed for 3-1-2012. (within 30 day period)


     


    10***. 4-29-2014 – pulled my credit report via CreditKarma and saw same alleged medical debt was reported by the Collection Agency on APRIL 14, 2014. (Their source is Transunion).


     


    11. 4-20-2014 – Called FTC & was advised to file an online complaint with the Consumer Financial Protection Bureau & did so.


     


    12. 6-13-2014: Transunion’s investigation Results: Collection Agency is “Verified”


     


    *****(3) FDCPA: I have read that you cannot report a debt to a CRA if you receive the dispute within the 30 days and you have not yet reported it.  Furthermore, it is an FDCPA violation to report the debt after receiving the dispute without verifying it because it is considered a continued attempt to collect a debt.  THUS, IS IT SUFFICIENT THAT I MAILED MY DISPUTE TO THE COLLECTION AGENCY 10-12-2011 (w/in 30 days but not via certified mail), they failed to verify the debt in a written response and reported 02-2012 for the report to Equifax & Experian to be the first FDCPA violation.   DOES MY CERTIFIED MAIL RECEIPT TO THE ATTORNEY IN RESPONSE TO HIS LETTER W/IN THE 30 DAYS (as stated on his legal notice) REQUIRE THE ATTORNEY & COLLECTION AGENCY THAT HIRED HIM TO PROVIDE VERIFICATION BEFORE IT COULD BE REPORTED TO TRANSUNION APRIL 04, 2014.  


     


    ***** (3)(a) DOES IT MATTER THAT WITH MY DISPUTE, I PROVIDED EVIDENCE OF THE FIRST BILL WITH THE WRITTEN DISPUTE, RECEIPT FOR PAYMENT, THE VARIATION OF THE AMOUNT BILLED, FALSE INFORMATION W/IN THE BILL (services never performed, visit that did not occur, false insurance information, mass variations in amount owed [$272-$1465; amount attempting to collect $1208], FL VICTIM STATUS? IF SO, WOULD IT GIVE ANY RIGHT NOT TO VERIFY & REPORT? 


     


     


    1. Went to doctor & paid 7-21-2009 (NOTE I SIGNED A LETTER OF PROTECTION-states payments would commence 8-21-09; however he DID NOT ACCEPT THE LETTER FROM MY ATTORNEY & I HAD TO PAY UPFRONT. They may have a copy of this. However you can tell different pens are used to date the signature or the witness, other dates & amounts. Also my attorney sent me to another lawyer 8-27-09, and on 4-28-10 the doctor requested payment stating my attorney (the 2nd one) withdrew and thus payment was due according to the LOP provided by him. *****(1) LETTER OF PROTECTION (a) He never sent them an LOP; and (b) aside from paying the day of service how did I agree to an LOP on 7-21-09 for an attorney I contracted with 8-27-09. Does not the evidence the fact the rejected my initial attorney's LOP? 2. First bill 9-30-2009; (NOTE: The amount of the bill kept changing and the doctor’s office claimed it had something to do with my insurance company. I have each bill and notes from each phone call. My insurance agent looked into the matter, determined they were lying to me and the insurance company. I do not have written documentation of that and the agent is no longer there. I applied for status as a Florida Victim and was approved. The doctor's visit was in relation to the incident for which I was approved as a victim. I did not receive a document stating "final bill". Each stated "not a final bill" *****(2) SOL: DOES "not a final bill" AFFECT WHEN THE SOL BEGAN TO RUN? 3. Disputed and mailed to doctor 10-15-2009 4. Last bill I received which stated “not a final bill”: 1-28-11. 5. Letter from collection agency 9-22-11. (2014 Transunion communication states it was sent to collection 09-2011, but it was NOT reported.) 6. Dispute letter to collection agency 10-12-2011 (Via mail & fax. Have notes confirming follow up phone call per letter I sent which confirmed receipt of letter & FL Victim status, however I do not believe I sent it certified mail and I am looking for the fax transmission.) 7. 2-6-2012, letter dated from attorney hired to collect the debt with notice I may dispute within 30 days. 8. 2-07-2012: Chase mailed that the alleged debt was reported to Experian 2-06-2012. 2-10-2012: Chase mailed that the alleged debt was reported to Equifax: 02-2012. 2-13-2012: I called Chase regarding the matter. 2-26-2012: Received letter from Chase it was deleted from my credit report. 9. 2-26-2012 – Disputed debt in writing & mailed to collection attorney via Certified Mail. Receipt shows it was signed for 3-1-2012. (within 30 day period) 10***. 4-29-2014 – pulled my credit report via CreditKarma and saw same alleged medical debt was reported by the Collection Agency on APRIL 14, 2014. (Their source is Transunion). 11. 4-20-2014 – Called FTC & was advised to file an online complaint with the Consumer Financial Protection Bureau & did so. 12. 6-13-2014: Transunion’s investigation Results: Collection Agency is “Verified” *****(3) FDCPA: I have read that you cannot report a debt to a CRA if you receive the dispute within the 30 days and you have not yet reported it. Furthermore, it is an FDCPA violation to report the debt after receiving the dispute without verifying it because it is considered a continued attempt to collect a debt. THUS, IS IT SUFFICIENT THAT I MAILED MY DISPUTE TO THE COLLECTION AGENCY 10-12-2011 (w/in 30 days but not via certified mail), they failed to verify the debt in a written response and reported 02-2012 for the report to Equifax & Experian to be the first FDCPA violation. DOES MY CERTIFIED MAIL RECEIPT TO THE ATTORNEY IN RESPONSE TO HIS LETTER W/IN THE 30 DAYS (as stated on his legal notice) REQUIRE THE ATTORNEY & COLLECTION AGENCY THAT HIRED HIM TO PROVIDE VERIFICATION BEFORE IT COULD BE REPORTED TO TRANSUNION APRIL 04, 2014. ***** (3)(a) DOES IT MATTER THAT WITH MY DISPUTE, I PROVIDED EVIDENCE OF THE FIRST BILL WITH THE WRITTEN DISPUTE, RECEIPT FOR PAYMENT, THE VARIATION OF THE AMOUNT BILLED, FALSE INFORMATION W/IN THE BILL (services never performed, visit that did not occur, false insurance information, mass variations in amount owed [$272-$1465; amount attempting to collect $1208], FL VICTIM STATUS? IF SO, WOULD IT GIVE ANY RIGHT NOT TO VERIFY & REPORT?

  • I was a T=Mobile customer for many years but then starting

    I was a T=Mobile customer for many years but then starting back in oct, 15 2012 through nov 25 2012 they billed my checking account approx. $3,667.45 all in even amounts like 500 one day 400 the next day so that with in a 30 day period they had taken over 3600 dollars and after fighting with them and getting the run around and hung up I went to my bank and they were able to recover the money back from them they have since turned me over to several collection agency and I told them how they had taken that money fraudulently out of my account and they seemed to just go away but now I find out that they had put a black mark on my credit report for over 5,000 dollars which caused me to be turned down for an auto loan. I am very upset about all this and frustrated so now I really want to sew the pants off them do you think I have a good case.
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