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Haven't had this cell phone in 4+ years, now credit agency is contacting.?
My husband had suncom 4 years ago, before we ever even met. He paid it off, and hasn& 039 t heard anything since. Now as of today, he owes $650 The credit agency will settle for $250 which it looks like were going to have to do, if t mobile who now owns suncom wont do anything. Has anyone ever been through something like this? He hasn& 039 t heard anything out of these people in over 4 years and it& 039 s strange that now he owes money to them. What sucks is after 4 years he no longer has any receipts to prove things were paid off. We are going to contact t mobile but I& 039 m sure that conversation isn& 039 t going to go well, and was just looking for some help on here. Thanksthanks for that info, but can you give me the site where you found that information?Also, t mobile has NO information on my hurband, it doesnt show him even in their system.

As a USA small business, how do I report to credit agency non-payment from another small business?
I have a client under contract who has not paid a particular invoice in 5 months. The client has paid previous invoices. The terms of our contract clearly specify 30 day payment terms. In the USA, how do I report non payment to a credit reporting agency Equifax, Experian, etc so that this delinquency might be added on the debtor& 039 s credit report? I am located in Arizona, my client is located in Washington state.

Landlord threatens to report to credit agency?
Hi, I used Gumtree to find a flat share with a landlord and moved into it. The flat is in wembley area in London.Some details I signed a contract with him that said, " minimum 3 months tenancy but can be broken earlier by either party by a 1 month notice" . If the tenancy is broken before 3 months then it must be mutually agreed by both the parties. Now my wife is coming over to stay with me and I want to move out. I discussed this with the landlord on 1st aug , gave him a notice and we mutually agreed that they will to let me go on 31st Aug end of month .I have payed them the full rent till aug 31st and they also have my deposit.But now suddenly they want me to move out on 10th Aug, but keep the rent till 31st aug. If I do not move out on 10th, they threaten to enforce the 3 months stay. If I leave before 3 months the

How can a credit agency prove you opened a credit card account?
Ok I total lost my car and Im trying to get something else. Car lots check my credit it comes back that my credit is shot. I went on the Transunion website and disputed somethings on my credit report and they deleted some of the items, not all of them. My thing is how can they say they verified the other accounts. Even if the company said I opened the account how can they prove it was me. Someone else may have had all my information and opened up credit cards in my name. How can the company say it was me if I was not face to face with them when I supposedly signed the credit card agreement. Im going to contact the other credit agencies and let them know someone else used my information what else can I do to get them deleted from my credit report. Has anyone had luck with equifax deleting items you claim as identity fraud from your report. Help please, any advice will help.

How do i get rid of pioneer credit agency chasing me for a debt i do not owe?
i have received a letter from the above company stating i owe a debt from the uk and they state they have put this debt on my credit file how do i get rid of them

I would like to know how i can report my tenant to the credit agency?
i have a tenant that has not payed rent in a month after i evict him how can i black list him in the credit agency or how can i send his credit to the agency

Does a credit agency for a medical bill have to report debt to credit bureau after 30 days?
About 6 months ago I received a med bill for $600. I never made a payment because I had to pay other higher priority more expensive bills for my emergency room visit.The collection agency says that if I don& 039 t pay the bill in full within 30, days it goes on my report which I cannot do . I& 039 m a college student but I just got an internship which makes monthly payments possible, but they said it still affects my credit. Installment payments or no payment, it affects my credit, so why should I bother paying it off?Also, how can I tell if they the agency bought the debt or is collecting for them? Thank you so much.

Does a credit agency/law firm have to settle for what you can afford monthly? I'm being sued and I'm trying?
Does a credit agency law firm have to settle for what you can afford monthly? I& 039 m being sued and I& 039 m trying to settle without having to go to court and I can& 039 t afford the payment they want from me. I& 039 m a college student who doesn& 039 t have a job so I can& 039 t afford a lot of money. Isn& 039 t by LAW that they have to settle for 40 60% and that they have to make the payments affordable?I& 039 m from NJ

Do you feel that Virginia-based credit agency Equifax, should advise U.S. public that they offshore to India?
Offshoring does not necessarily bother me, it is the lack of disclosure and transparency that bothers me. I know we live in a global world, but U.S. laws like HIPAA have not caught up with this world. I personally have had an unusual experience as I tried to bring justice in the Philippines through facts, dealing with a man whom controls US$65 billion in assets. Instead, I have learned small items like this about Equifax as I have needed protection due to credible death threats. I put a freeze on my credit as having lived in and studied the region I am not angry at people but glad they are honest with me. Sadly, Equifax, is not so generous. Did you know about this offshoring, and do you now wonder why unemployment is so high in the U.S.?From my understanding, based on HIPAA for example, the U.S. government will claim it is more expensive and that U.S. citizens are unqualified because it is true in a technical sense. Many of us may have had an illness that has dinged are credit and thus we are not able to pass a Confidential U.S. Security Clearance. In the world of offshoring, and I am certain that more Britisgh Virgin Islands and UK territories will open up in time, they do not need to pass a basic credit check, while I know in India and Manila they have a credit system. It is not applicable for U.S. citizen accounts. This is the even more foolish part, the government extends unemployment benefits, which if factored in would be cheaper with all variables and I believe that even if you are making maybe only 10% more than unemployment or even the same, that is helping our country. I am not a tea bag person, just someone whom believes that U.S. stimulus should not be foreign aid.

Who can be more helpful to get my credit report, an attorney of credit agency?
Two or three type of companies are offering service to help me get my credit report. I wonder which could be best to deal with.

When do businesses turn you into the credit agency?
Just wondering how late you have to be on a payment before the business turns you into to the credit agency, and it actually affects your credit rating?

Can a credit agency force me to pay?
I have a debt of $800.05 owing from a Phone company it was originally $2000, The phone was stolen and I didn& 039 t have phone insurance. I have been paying off this debt over 12months and the agency have been wonderful in allowing small weekly payments. But now the phone company have told the credit agency that the debt must be paid in full within 30 days. I have pleaded with the credit agency to extend the date or for me to make larger payments but they tell me that it is just not possible and I should claim bankruptcy, this is something i am not prepared to do. I have no intention of completely screwing up my credit for a small debt, all the information i have found suggests that you should not go bankrupt for a debt less that $10,000. In my opinion they have gone back on their verbal contract with me to pay it off weekly. Is there any other option? Have any laws been broken by the agency? is there anything else i can do? PS I have attempted to get a loan for $2000 dollars to give me extended time to pay off the debt but because I have an outstanding debt they will not consider it. I live in Australia Please help me

How much the credit score is reduced by the credit agency If my mortgage payment is 30 days late and 60 days l?
how much the credit score is reduced by the credit agency If my mortgage payment is 30 days late and 60 days lateMy FiCO score is 805

Credit Agency called after 10 years?
I had a credit agency call me about a debt owed over 10 years ago owed 16 years ago . How long is the statue of limitations on a debt from over 10 years ago? Can they attached that to my credit after so long? I did a dispute and they didn& 039 t respond 5 years ago so it dropped off after 30days from the date of dispute NOW after 5 years they are coming back again. Im in Fla, can they do this? Please help my credit is perfect and I answer& 039 s