Consumer A never applied for such a card and therefore the debt cannot be his. He suspects someone stole his identity and opened the account using his social security number and other private check my credit score Fairbanks information. After numerous phone calls and check my credit score Fairbanks letters back and forth, the department check my credit score Fairbanks store agrees that it is not Consumer As debt after all and tells Consumer A not to check my credit score Fairbanks worry about it, that theyll take care of it. Naturally, Consumer An is now relieved and assumes that it will be taken care check my credit score Fairbanks of, i..e., they will stop billing him for the invalid debt and it will be deleted from his credit report. The account number, by the way let us say it is 1234567890 and that is the way the CRAs are check my credit score Fairbanks reporting it on Consumer As credit reports.
Consumer A notifies the CRAs by certified mail of the situation, along with documentation, and they all delete the previously reported trade check my credit score Fairbanks line within a month. ]] About four months go by check my credit score Fairbanks and Consumer An is dismayed to check my credit score Fairbanks receive in the mail a letter from a Debt Collection Company named Pit Bull. check my credit Pit Bull, in its check my credit score Fairbanks letter, states that it is collecting a debt on behalf of the department store (the same one check my credit score Fairbanks that earlier told Consumer A not to worry about it, that they would take care of it and delete it fromhis credit report.) Pit Bull shows the debt now check my credit score Fairbanks as , having tacked on a penalty and a default charge or attorneys fees), but informs Consumer A that, although he owes immediately the full amount of , they will take as a full payment. They cant guarantee Consumer A that the check my credit score Fairbanks department store will reinstate him in good graces vis-à-vis his credit card (the one that was neer his check my credit score Fairbanks in the first place) but if he pays them the at least they will stop dunning him. free credit report no credit card required The account number on the letter is now 123DEPTSTRE890.
A few months later Pit Bull furnishes the account 1234567890 as 123DEPTSTRE890 to the CRAs, showing the account as a charge off, amount , and a note that the trade line will be reported for the next seven years! He calls the department store and reiterates his story that the check my credit score Fairbanks department store had earlier investigated, agreed with him that he did not owe the debt and that they would take care of it check my credit score Fairbanks for him.
These words come back check my credit score Fairbanks to haunt Consumer An as the representative now tells him that they are sorry, the account is now with collections, and that they check my credit score Fairbanks cannot interfere as it is now check my credit score Fairbanks out of their hands. Consumer An also tries to clarify the situation with Pit Bull but, other than being cursed at and told to pay the damn bill, he gets nowhere. He disputes with the CRAs with certified letters, giving check my credit score Fairbanks a full account of the situation and a statement that he categorically does not, and never did, owe the debt. Two of the three check my credit score Fairbanks CRAs shortly thereafter delete the trade line from Consumer As report, but one of them does not. free credit report scores
That one informs our consumer that they checked with the furnisher (Pit Bull) and the furnisher verified with them that the information they provided on the debt was valid. Some more months crack and Consumer A starts feeling frenzied.
He tries to get refinancing on his home but is stated hell have to open up the derogative trade line exhibiting on one of his credit reports as a first step.
