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I had a 3 cases like this. Someone actually had 3 credit accounts opened in my name. How i found out about it was when i applied for a loan and the officer mentioned paying off credit cards. I knew i only had 2..but 3 more popped up. I asked to see the report got the name and acct. number so i could call and report the problem to the companies fraud dept. And everything else happened from there. So first i would say get the acct. information if you can at least he company name if not the acct. number that would work. That way you know who to call and they can pull any accounts that have you social security number listed on the system and the customer service dept can transfer you to the fraud dept. and let them handle it from there. Also that account will be removed from you credit report. Just make sure you tell them.
What else can I help you with?
Can you tell when a 30 day delinquent was put on your credit report?
I just had my credit reviewed. It showed me exactly which payments were 30 days late by show the month and year of every late payment I had (and even 90 and 120 days). But it did not show what day they reported it. There were also some late payments I knew I had, but did not show up because the company did not report it. Ask the company how long after a delenquency will they report it, they will usually tell you. It is is only or first offense and you don't make a habbit of it you are probably going to be okay.
Which out of the three credit agency is best to get your report from Trans Union Equifax or Experian or does it really matter?
It does matter. And your question is difficult to answer without industry insider information. Credit started in local areas. Think of Little House on the Prairie. If Mr. Ingles wanted to purchase some farm equipment from Mr. Olsen, but didn't have the money until his crops came in. Mr. Olsen knew Mr. Ingles. He was able to make a decision about whether or not to extend him credit based on that personal knowledge. When urban areas began developing and most merchants no longer knew their clients personally, a need to gather and dispense information about consumer's borrowing and repaying habits came into the picture. This is why credit bureaus originally formed. Equifax started in Atlanta, the other two started in Chicago and California respectively. Until the 1970's there were thousands of local credit bureaus which gathered and sold information about local consumers. During that decade the big three sent reps all over the country to buy out databases. They assimilated local credit information, particularly collection accounts into the national bureaus. For any consumer: Where you have gotten mail for the majority of your life will affect which bureau is the "best" to pull. In the past when mortgage companies requested credit reports that compiled two of the three bureaus, there were specialists at the bureaus who could pinpoint, down to the city, which two of the three were the best to pull for any given consumer. That practice and standard has changed. The majority of mortgage, auto and credit card lenders now use either a tri-merge of all three bureaus, or their own personal favorite of the three. There is no way to know which they will use, unless you ask. This is the basic reason it is advisable for all consumers to get a copy of their credit report from all three bureaus and work to clear any inaccuracies.
Are you responsible for the non-payment of a credit card when the statements were sent to the wrong address from day one and the account went to collections?
I did question it. I was called at work being asked why I haven't paid. I specifically said, "I have not received a statement so I don't know how to pay. I want to." I was told, you will get one in the mail. I never even got a card. You spent the money and didn't question the fact that you didn't get a bill? Yes, you are responsible. Yes, you will have to pay the money back. Basic rule of economics, "There is no free lunch." ...your responsible. Your responsible for all debts you incurr on the card. Receiving a bill or not is never an issue or defense. Receiving a benefit, that is what was acquired and agreed to be paid for, makes the obligation. Look - NO - READ any of the agreements you signed. It will clearly specify it. Although it really doesn't have to. Billing is a courtesy, not a requirement. You know you had to pay for it. You'll even probably find you were responsible to tell them you didn't get notices. Even if it is entirely their error, they just recorded the wrong address the whole time (although the card managed to get to you I gather)..why would you think their error means you shouldn't have to live up to your responsibilities? You knew at the time you got the merchandise you had to pay for it, didn't you? After that, anything you do to try and make like you don't owe it is just weasling.
Do you close out allowance for doubtful accounts at end of year?
Allowance for doubtful accounts is a contra-asset account, but it relates for bad-debt expense. When increasing bad debt expense, you credit ADA and debit BDE. Allowance for doubtful accounts is just estimating how much you will need for these accounts, and bad debt expense is saying "see, i knew this would go bad" then you credit ADA. Bad debt expense does need to be closed out though! So... Debit ADA Credit Accounts receivable (This is when expenses are written off) then Debit BDE Credit ADA Bad debt expense needs to be closed out, by crediting expenses and then debiting Retained Earnings.
What to do if tax refunds are offset?
Be sad and that's about it. Your question doesn't say whether not you knew about the debt, so I assume you knew it and agreed with it. If so, there is not much to say except the refund will decrease if not payoff the entire amount.
What are the release dates for Who Knew - 2010 Airplane Report Card 1-4?
Who Knew - 2010 Airplane Report Card 1-4 was released on: USA: 15 April 2010
If someone has a judgment against someone else due to fraud on a credit card can the credit card company still be held responsible in any way?
The credit card company has no obligation to reimburse or dismiss charges on the account unless indentity fraud is involved. A case where the card or card info was stolen and used without the knowledge of the holder. If the card holder knew the card was used fraudlently and did not report it in a timely manner, the company is still not legally obligated.
Are you liable for the bill when someone has used your credit card?
If you knew they were using it yes. You are also in breach of your credit card agreement and may also be party to a criminal fraud. If you did not know they were using it, then if you can convince the Bank of this you are not liable; you are a victim of a crime.
How do you fix decreasing credit scores?
Pay your bills on time! Then, clean up any erroneous info on your credit report. Get your credit usage to less than 35% of your credit limits. I could give you more specific steps if I knew what was dragging your score down.
Will your credit card details transfer to your new ps3 i have baught a new ps3 and i am goint to put my old accounts on it will the details credit card details still be on there?
Your credit card details are not held on your PS3 - they are held on the server you connected to, to register your accounts. Think about it... if they were on your PS3, and someone got stole it - they could raid your account before you knew what was happening !
How long after a bank foreclosure will it take for my credit to re-bound?
It will never rebound!,,,,,,,,,,,,, The only way to have good credit is to build it. It is very easy to have bad credit. ,,,I had A forclosure on my report from an ex. I got A mortgage the next month because I had good report (sounds like repore) with my bank. They knew I was not at fault for the reposession of the house and I had no controll over it.... If you want to rebuild your credit, Start as soon as you feel ready.
When was She Never Knew Me created?
She Never Knew Me was created in 1976.
If you walk the footsteps of a stranger you'll learn the things you never knew?
you'll learn things you never knew you never knew
When was If I Never Knew You created?
If I Never Knew You was created on 1995-09-12.
When was She Never Knew created?
She Never Knew was created on 1915-02-24.
When was Nina Never Knew created?
Nina Never Knew was created in 1952.
When was Never Knew Lonely created?
Never Knew Lonely was created in 1990-09.
