Debt Credit Report No Credit Card Required

I frequently receive calls from a law firm regarding a Capitalone credit card balance that they say I owe. I sent them a written request for more information about my alleged debt and they sent back a copy of the credit card statements, along with the application (which had a social security number that did NOT match mine).

I feel uncomfortable providing them with my social security number (even though this will clear my name), but am I required to do so in order to clear this mess up? They can send all the letters they want but at the end of the day I know this isn't tied to my SS#, so is it OK not to disclose this info since I know it won't affect my credit report?

This isn't fraud. Please don't waste the police dept time. This is a debt that belongs to someone with a similar name.

I understand why you don't want to give this collector your social securitynumber. I wouldn't want to either. Send them a certified letter, return receipt, telling them this is not your social security number and to cease and desist contacting you about this debt.

Check your credit report and see if it shows up. If it does, dispute it and include a copy of that contract as proof it ain't yours.

If the collector should try to sue you, just show up in court. You might have to show your social security card to the judge. Chances are the collector will just sell the debt. Keep all the paperwork, because you'll probably get contacted again by the next collection agency.

2007-09-24 17:13:56 by Frogzee

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When I bought a house 3 months ago I pulled my credit score. I was required to pay off all my past debts to get an FHA loan. I paid these debts and bought my house!

Now, 3 months later, a debt collector is calling me about two credit cards I allegidly opened in April and May of 2001.

I told the gentlemen I didnt think this was possible as I paid everything on my credit report and these werent on there. He said "oh well someone made a mistake but this is definatly owing" He offered to settle with me for half the amount owed if paid my April 30th of this month!

I pulled my credit report today and these debts are still not showing.

What should I do? I dont have any way to dispute since it is not on my report, but I dont want to pay half and "settle" as Im sure the account will THEN be added to my report and my score decrease!

HELP! What should I do? What are my rights? Is this even legal?!
ADDED DETAIL : They told me they would fax me the settlement details and they did. Company is legit

This is just a ploy by junk debt collectors who violate FDCPA rules and try to scare people into making a payment. This debt if it is yours and even though it is beyond your states statute of limitations, would be considered validated if you make any payments to settle or arrangements to make payments. The fact that it was not on your credit report means it is well beyond the SOL for reporting to the CRA's

First off, look up the company at this web site to see if they are one of the "notorious" ones.
http://www.budhibbs.com/drowning_in_debt .htm

Second: DO NOT talk to them over the phone, if they call tell them to send whatever they have to you via mail.

Third, here is a sample letter to get them off your back

Cheatem Collections
123 Fagetaboutit Ave
Chicago, IL

17 April 2000

RE: Account 5145454156

Dear Sir or Madam:

I request that you CEASE and DESIST in your efforts to collect on the above referenced account (SEE letter attached). It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account.

You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES


Cordially

Scott Free



Hope this answers your question.
LEGAL DISCLAIMER: The advice contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice.

2008-04-20 11:57:54 by Julie F

I have received two answers to my previous question and I appreciate it... BUT, they also required credit card submissions, even though they say they will not charge. The problem with that is that if I forget to cancel, they will charge. I have a bad memory, so I do not want to do it that way. My husband did run across one that DID NOT require the credit card submission but cannot remember where or what the link was. He printed out the report, but when I go to the site that it has, it wil ALSO ask for the credit report. He said he went to "ask.com" and put something to the extent of: "How do I find out how much debt I'm in" in the submission field. I tried that, to no avail. He also said that something "popped up" whenn he clicked on one of the sites & WA-AAALA-AAHH", he got the link to the TOTALLY FREE credit report. If anyone has the time to research this, I'dtrulyy appreciate the steps, as I am a full-time student, and also work & have little time for this research. I am in a financial bind and have been a victim of fraud/identity theft & really need this credit report. Thank you.

The one and ONLY free way to get your credit report for free is http://www.annualcreditreport.com

Do not use any site with "free" in the name. They are not free. They are scams.

http://www.annualcreditreport.com is the site that the government forced the credit bureaus to create to give you free credit reports.

2009-10-09 06:46:35 by AMC

i dont have a credit card, but im really eager to finally start trying to build my credit. i have some debt (medical bills) which im fairly certain will end up in the hands of a collector before long, and i want to try and get these things addressed before they cause a bigger problem than they need be. the best way i can figure to do this is to have a credit report run, and find out who i owe money to. i am perfectly willing to pay for the service, but it seems that most companies require that a person have a credit card in order to pay for the service. is there any place that i can go to pay for this service using a debit card? or any other alternative means of payment, for that matter?

annualcreditreport.com
reports are free - always have been
no credit card required.
provided by the federal government agency.

You don't need your score just yet.
First you must fix your reports, and learn how to maintain top credit.
After you feel you have done everything you can, you can get your score from Equifax.com for about 8 bucks.
Major lenders like FHA do not look at scores.
They view your reports in detail and make their own decisisons.
So don't sweat the score - sweat the reports and how to maintain them in pristine condition.
/

2009-11-09 07:52:29 by staceysmom321

I need some help with my current situation. Im 19 and I applied for 1 credit card when I turned 18 through Bank of America. I was really responsible with it, only making necessary purchases, paying my bills on time, etc. In March, I got into a serious car accident which required me to have a series of surgeries and other medical treatments. Because of this, I missed 3 months of payments on my credit cards (I know, this is the biggest mistake I could have made) The late payments are what put my balance over my credit limit, not purchases I had made. Finally, I got a letter from FIA Card services about the situation and I contacted them. We set up a plan to help me pay off my debt. They lowered my rates for me (not much, but theyre still lower), took away the late payment penalty and agreed upon a very low monthly payment ($30). Up until March, I had no issues with cc payments. Until the entire balance is paid off, which is about $1,000, my account is closed. I got a store credit card before my trouble with this cc happened but I have managed to keep this one up to date and on time so Im not worried about it. I have also been attempting to get a copy of my credit report through a few different agencies but, for some reason, I cant get it. I dont know why. So my questions are:

--As soon as my balance is at $0, will my credit card be usable again? Or should I just close the account entirely after its paid?

--I know this situation has destroyed my credit score. How bad do you think it has gotten from this since I cant view my credit report?

--What kind of things Can I do, other than paying off balances entirely, to help start building my score back up again???

My advice would be to NOT close any of your credit card accounts, it shows up on your credit report and is looked down on, keeping a credit card for years and years looks better on a credit report than a bunch of closed accounts. The reality of your situation is that the majority of people have "bumps in the road" and that's okay. You can build up your beacon points (Credit score) easily as long as you pay your bills on time every time. You should have no problem using your credit card once it's paid off, even just as long as your aren't going over your maximum amount. It is actually better to make very reasonable payments on your credit cards verses paying it off all at once believe it or not. It verifies you are responsible enough to pay on time, every time verses if you don't spend it, how will they really know. EVERYTHING YOU DO GOES ON YOUR CREDIT REPORT!!!
There are a series of numbers that run on your credit report following your credit card information, house payments, car payments, etc..

1's mean very good and paid on time, 1 being the best and 5 being one of the worst.

Keep your head up, whatever you do, please do not get behind on your payments on your credit account, you'll regret it when the phone calls won't stop when you owe them money.

P.S.- Every time someone does an inquiry to view your credit report it hurts your credit so only apply for things your really need, like I said EVERYTHING that has to do with YOU, will show up.
Good luck.

2008-08-01 12:05:02 by Michelle M