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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.

How to sue a credit agency?
i want to sue experian for putting a judgement on my report that is not me. this cost me a 1 2 point on my mortgage

Is there any way a credit card, credit agency will settle out of court ?
owe captial 1. $1,600 fee& 039 s and court costsi recieved a summens and now have 2 weeks left to respond...........i dont want to go to court....how do i get the credit card company to settle out of court??if the lawyers do agree to settle out of court,, with a payment plan,, how do i notify the court that we have come to an out of court arrangment?if the credit card company says says and allows me to settle out of court,,, do i still have to awnser the summens letter admit i owe the debt or deny it do i need to send a letter to the court letting them know the case will be canceled?do i reply to the court summens if capitial 1 says we can make out a payment plan?do i ask the lawyers of capital 1. to send something to the court saying they are withdrawing the case due to a payment plan agrement?this are lawyers are they not,,,, would they not rather take me to court??? they want me to pay lawyer fee& 039 s and stuff too........... i only have 12 days to write to the court,, AND try and get capital 1 to settle out of courtwhat should i do?........... how do i convince them to a reasonable payment plan out of court?how do i make sure the court knows the case is cancled?do i reply to the summens if we do come to an agreement? and how so?...... how do i reply to the summens in the first place?? there is no pre stamped evelope,, and i cant find proper instructions1 hour ago 4 days left to answer.

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?

How long does a company have to report something to a credit agency or small claims?
i owe a company aprox 2500$. i was wondering how long they have to report it or take it to small claims court?

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.

Dual citizen of Canada and U.S. Built up 5k in debt with Canadian credit agency two years ago.?
Now living in the U.S., with no plans on returning to Canada. The debt has remained untouched for nearly two years. Will it eventually be automatically cleared?

Overdaft will report to credit agency?
Overdaft will report to credit agency?Recently, due to cash submtted to my checking and savings a c but not posted.And same time, one check, I drawn was passed by bank by providing overdraft to my checking a c and one onother of my online payment on savings a c was rejected by bank and cleared after 3 days again when payee send it again.Will this incedents will be refered to credit agency by bank?If yes, will it have negative impact on my credit score?How much score can be reduce and upto how long time it will take to return to orgnal level?Sorry, it s Overdraft in title. I regreat.

Can this company report me to a credit agency?
Okay so back in December & 039 09 I bought a bracelet that my girlfriend was looking at from an online jewelry store. They seemed legitimate enough but even so I paid with my PayPal account just incase I needed to recall the payment. I bought it and watched the amount get authorized against my card that I have registered with PayPal. All is well, I receive confirmation that I ordered it and that it would be shipped.About FOUR months go by, it& 039 s now March and I get an email from the Jewelry website saying payment passed due. They now claim that the payment was never made and I now needed to make it. My bank only keeps statements online for three months so I can& 039 t check that, PayPal doesn& 039 t even have a record of the transaction anymore. I am 110% positive I saw the authorization charge and I certainly don& 039 t remember my balance going back up.After almost two months of repeated attempts to get this money out of my they sent me a letter physically and one of the lines reads " This would be unfortunate if it were to show up negative on your credit report." Can they really do that? I really think that they are trying to get a second payment out of me and I know they won& 039 t be any help over the phone. What exactly do they need to even report me?

A credit agency say they're getting their solicitor on to me, what can they actually do?
Short of the story I owe Ebay 59.98. It got passed on to Iqor recovery. I told Iqor last week that I couldn& 039 t pay it yet. They said they are going to pass it on to their solicitor who may add legal charges.Can they do that?And to all the moralists, I& 039 m not asking whether not paying them is right or wrong okay.

What is the best Secure credit card to start up and deposit, that reports fast to the 3 credit agency's?

Is a bill collector required to notify me of a collection before reporting it to a credit agency?
I had a utility bill from North Dakota and moved out of state to Missouri. he bill was sent to collections on January 26th. I never recieved a letter or phone call stating that I owed a bill or I would have paid it, it was only $108. I got an email from my credit tracker saying I had a potentially negative piece of information. I checked it out and seen this collection that was posted on 3 1 10. I called the company and the manager stated they only have to attempt 1 time to notify which he claims he did but had an address in Illinois that got returned due to bad contact information. He said I can pay the bill and he can request that it be removed from my credit but can only request and cant gaurantee anything. I am trying to build my credit back up so I need to know what my rights or options are to get this off my credit. I havent paid yet, just so I can see what options I have I dont want to pay right away and not have anything to use to get the collector to help me out. Please let me know thanks.

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

Does Silverleaf Resorts Report to Credit Agencies?
Has anyone ever experienced Silverleaf Resorts reporting to a credit agency? We& 039 ve had the loan for almost a decade, and it& 039 s not paid off. Still, nothing is showing up on our credit report. Do they report anything whether it be negative or positive? Just curious. Thanks