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June 27, 2010

Identity theft victim cable?

Filed under: Law Enforcement & Police — Tags: , , , , , , , , , , , , — admin @ 11:21 pm
Ainhoa asked:


I printed up my free annual credit report from Experian and found 3 negative items for cable, phone, and satellite dish service. The person installed these services at their home and I reported it to our local police department. I get a call from the detective on the case who tells me that even though he has an address where the unauthorized services were installed, he can’t go to the house and charge them with anything cause he’d need someone to admit wrongdoing, which obviously won’t happen. My question is, WHAT THE HECK??? I mean, if you have an address and this person has installed services in my name, I don’t care if he/she doesn’t fess up to it! Let them know you’ve caught on and that they’re being investigated! Or not? How does this work? Why do I feel so violated, like I’m the one who did something wrong? And why does the ‘thief’ have more protection than I do?

Phyllis

i settled a debt with a collection agency but i think they are a scam now what should i do?

Filed under: Credit — Tags: , , , , , , , , , , , , , , — admin @ 11:09 pm
VBPRODIGYest.89 asked:


my bank of america credit crd debt was sent to the er solutions collection agency and the bank of america Representative gave me the number to call the agancy. i called, we agreed by phone to a settlement of $587(on a $820 balance). i paid the settlment directly to the bank of america branch. i called back the collectiion agency and gave the representative the transaction number on my reciept. she said everything was fine now . she also told em to go to free credit report.com and get specifically a experian credit report ,which i did and then she asked for my address to which she would send a letter to me .. that i would have to send to the credit bureau.i dont quite remeber what it was for. it hasnt been sent .. and ive called back 3 times n the same lady always says im so sry and ask to verify my adress and she will send another one.i paid the settlement on april 15th it is now june. i dont kno what to do ? any ideas or advice? im pretty sure im being scammed but i dont know how to fix it. i stil have the reciept from bank of america as proof that i gave them the settlement. i dont kno if that will help me though :(
thanks mar c .i will defintely call BOA tonight..but.. im still scared that maybe BOA doesnt know of the settlment amount.what if they dont know and they dont know it was for my account. because it was charged off(as stated inmy credit report)..What if they still want me to pay the balance? how will i kno? i havent recived any BOA statements. i just want to be sure everything is fine….And should i be concerned about not recieving that letter from ER solutions?

Stacy

June 25, 2010

How to Obtain a Free FICO Score Credit Report Online

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 9:07 am
Zach Ford asked:




Your FICO score, calculated by information in your credit report, is one of the most valuable tools in your financial arsenal. FICO (named after Fair Issac Corp, the company that pioneered credit scoring) mathematically calculates your late or timely payments and other factors in your credit history into a number that indicates how good a credit risk you would be.

Hundreds of bits of financial information are used in calculating your score and it’s important to be certain that some of those factors aren’t errors or even credit fraud. Therefore, you should check your credit report and FICO score at least once a year and even more frequently if you relocate, change jobs or open new accounts. Quickly correcting any errors that may be in your report is vital to your financial health.

Another, very important, reason to check your credit report is your present and future employers. Checking a job applicant’s report has become standard practice in trying to determine if they’d be a good fit with the company. You can see how an error or fraudulent entry in your credit report can make a significant impact on your life!

You can obtain a copy of your credit report and FICO score by either going online or using the postal service. Experian, TransUnion and Equifax, the three agencies, offer free copies of your report and FICO score once per year. You will find forms online that you can use to request these reports. Take care, however, that you don’t inadvertently get taken in by the many look-alike websites that often imitate these legitimate reporting agencies. The imitators will offer the free reports but in authorizing it, you’re actually signing up for a monthly credit reporting service that will charge you a fee. Unless you want this type of service, be very careful to read all the agreements and fine print, even on the three legitimate websites.

Checking your credit report and FICO score at least once per year will help insure that you stay financially healthy and maintain your good credit reputation.

Ashley

June 23, 2010

How do I dispute the fact that i never used cell phones sent to me, and want it to be removed from my report?

Filed under: Credit — Tags: , , , , , — admin @ 2:10 pm
Jiccah asked:


I had signed up for 2 free cell phone from Cingular. When the phones finally arrived I was away at college. ATT billed me for 3 months while i was away and now my credit report shows a deliquency.

Timothy

June 20, 2010

Can I Be Able To Finance A Car?

Filed under: Credit — Tags: , , , , , , , , , — admin @ 9:20 am
Kevin S asked:


Hi everyone.. so i just turned 18 a week ago.. and im looking to buy a financed car. i have a full time job over 38 hours and been employed for about 2 years.. im looking to make a 4000 down payment on a car that is for sell for around 8 to 12k.. i do have credit cards because some how when i was 17 i got approved for 3. i have about 1 year with them.i NEVER missed a payment on all of them. and i checked on a free credit report that i have over 700 in credit (not sure why). the problem is when they sent me the credit card they i said i was already 18 meaning i put a different year (1988 instead of 1990). will i be able to fix this in the future? will i still get a financed car? and will the credit score still show up (I THINK it will because its the same social security number).. well i hope you guys under stand what im trying to say with this.. hope you could help me.. thanks

Lewis

Free Credit Report – No Credit Card

Filed under: Finance — Tags: , , , , , , , , , — admin @ 2:38 am
Tom Allen asked:




Making sure that you have your credit report in order is absolutely vital in terms of being able to get the best deal on any type of financial product. The first step om the road is inevitably getting a copy of your report to see where you currently stand.

There are any number of places that will offer you a free credit report but you have to be careful with some of them. There has been an explosion in the last few years on the Internet of sites that will offer you a free credit report but you have to be careful as not all of them are 100% reputable.

Doing a little background research is the way to go. Fortunately the Internet is also a great place to do this research.

Once the time has arrived to look into what’s available in this specific part of the financial industry, it’s extremely important to bear in mind that quite a lot of the information that you will come across will almost certainly have originally emanated from a commercial business interests and with this as part of the process, it’s fairly obvious why it is centrally important to cross-reference your information across more than one site.

By cross-checking in this fashion with more than one source you give yourself a great opportunity of being in possession of reliable data that can help you when it is necessary to decide on what the next step should be. I do not wish to give the wrong impression as most of the companies that operate online are completely reputable but that said, it’s no harm to be on the safe side.

George

June 19, 2010

question bout credit report?

Filed under: Credit — Tags: , , — admin @ 8:30 am
vbutterfield@ymail.com asked:


i was wondering where i could get my credit report i read somewhere online sayn that you can get it for free but didn’t say where, and freecreditreport.com really isn’t free and only gives like one of the 3 scores

Clifford

June 18, 2010

Help! Debt settlement policy in the Netherlands?

Filed under: Netherlands — Tags: , , , , , , , , , , , , , , — admin @ 12:22 pm
Mizz G asked:


In 2004-2005 I lived in the Netherlands as a foreigner and got into a personal crisis that I left a few hundred euros’ debt with my phone company, and possibly a few smaller debts in a few other companies. Not only did I become peniless back then, I had a terrible nervous breakdown that I didn’t even dare to open the bills that came in the mail and was too ashamed to show other people. I was in my late teens, had no relatives or family friends to confide in, and my life was simply a mess.

I moved back to my home country (outside Europe) and never settled the bills, because at that time I had simply ran out of resources as well as courage. However, I have never forgotten, and still want to pay back what I owe. Now I am resuming my studies and am living on allowance, so finances are very tight. I have not worked in the past 3 years because I’m occupied with psychological therapy. I am planning to get a part-time job later this year, and aim to be working full-time in a well-paying career within about 2 years.

By that time, I am planning to get married, and we have discussed ideas about returning to Europe to get our masters’ degree. Of course, I would like my bills to be settled by then… and I certainly would NOT want my boyfriend or parents involved in this.

What happens then to the debt? I only know that if a bill isn’t paid, Dutch companies usually forward the debt to a debt collection company. I remember Holland as being such a rigidly strict country. I have heard that unsettled bills will accumulate interest, and that debt collection companies would go as far as hunting down relatives of the debtor to pay for it. I even heard that if you missed paying for a parking ticket back in 1992 and left to go overseas, the police would hunt you down at the immigration once you land anywhere in the Schengen region. Does it get that bad? Because if it does, I certainly don’t want to experience it! Like, I would not like to find my 500 euro bill in 2005 has accumulated a 400% compounded interest and then get escorted by the police in the airport of Athens Greece when I land there in 2012!

However, I have also read that bad debts that are too far behind are eventually written off as a “charge-off”. Doesn’t mean that it doesn’t have to be repaid, but it simply means that the company decides to no longer pursue the debtor as they may never settle it anyway. The information I read was in an American context, but how does it work in the Netherlands? Because if there were such a policy, I would like to take advantage of it to legally protect myself, and settle the bills in a way that won’t jeopardise my reputation or my sanity.

What steps should I make in order to repay these debts?

What are some precautions I should take?

Where are some safe places I should be able to get help from and still have my privacy protected?

How do I calculate the numbers?

What’s a credit report, and how do I use it? I have heard about sites that give free credit report in the USA, but is there any such services for the Netherlands?

Thank you! :-)

Bill

June 15, 2010

3 in 1 Credit Reports – The Benefits of Getting 3 Annual Credit Reports

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 11:39 pm
Davion Wong asked:




The 3 in 1 credit report is just the right tool for you to improve your overall credit score by identifying areas for improvement in your financial status. It contains the summary of your financial records from the three major reporting bureaus in order to come up with a baseline for other companies to evaluate your credit worthiness. This is like the report card of your financial health which most institutes pay a close attention to.

In other words, the information in your 3 in 1 credit report helps other financial institutions to judge your capacity to pay for your applied loans by judging your financial reputation based on your previous payment history and behavior. This will help them minimize past due accounts in the future. On your part, this will also help you get applied loans easily approved if you have good financial records. As you can see, having a clean record is important and should not be neglected at all costs.

In the United States, the three main reporting agencies are Trans Union, Experian, and Equifax; and the most commonly used method of scoring is the FICO score which was developed by the Fair Isaac Corporation by using a mathematical formula. These three main reporting bureaus use different scoring formula aside from FICO score such as the Emperica score and Beacon score. As a lay person, you need not be overly concerned about this formula.

The scores found on your 3 in 1 credit reports were mathematically designed to measure the risk of an individual of defaulting a loan; taking into consideration many different aspects of financial records. Such aspects like your outstanding loans, promptness on payment, types of credits used, length of payment, and the total amount of credit applied. As a general rule of thumb, as long as you make sure that you make your payments on time and do not take unnecessarily huge loans, you are generally safe.

The FICO score in your credit report varies depending on your overall financial performance. It usually ranges from 300 to 850; a score above 720 indicates that you are a good risk while any score below 600 is considered a poor risk. Hence, always try to get your annual 3 in 1 credit reports in order to get a fair estimate of your current credit score and make necessary changes to improve your score way beyond the ideal level.

Jackie

June 13, 2010

Clean Your Credit Report

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 11:35 am
Lee Selders asked:




What you will need:

1. A black permanent marker,
2. A copier,
3. Envelopes,
4. Stamps,
5. A telephone.

1. Call all 3 credit reporting agencies and order your credit report-it is free. Your order will be automated.

Transunion: 1-877-322-8228
Equifax: 1-877-322-8228
Experian: 1-877-322-8228

2. When you get your reports make a copy (front and back) of each report.

3. You will notice that all of the creditors are in long strings across the long part of the page.

4. The ‘good’ reports are usually the first ones reported (but not always, you will have to scrutinize each report) .

5. Do not do anything with the good reports.

6. When you come to the ‘bad’ reports you will want to do one of the following:

a) If it is for late payments it will show 30, 60 or 90 days late. . . . . if it shows 30 days late you will take your black permanent marker and write across the entry “NEVER 30 DAYS LATE” or enter the number of days that it states payment has been late.

b) If it shows that you are in default of payments you will write across the entry “NOT MINE”.

c) If it is a notice of federal tax lien, write “NOT MINE”.

7. By writing this across the entry forces the reporting agency to verify that it is yours or that it was late.

8. If you have several ‘bad’ entries, do not do all of them at once, pick 3-5 for each mailing.

9. Make a copy of what you send for your records. (This will prove to be an important step as it will let you know what you have already done. )

10. You only need to enclose the page(s) of the corrections you have made for mailing back to the reporting agency, no cover letter or cover page is necessary.

11. The reporting agency will send you an updated report within 30 days and either strike it altogether, or they will state that it is verified to be correct.

12. If they say it is verified do the same thing that you did the first time and send it back.

13. Understand that they cannot verify since they have no first hand knowledge of who you are.

14. There may be other names on your report, make sure that you write through them “NOT ME”.

15. You may have to take some time with this, but it will eventually clean up your entire report.

16. Be diligent and even if you find you must send in for the same ones several times, they will eventually take it off.

Benjamin
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