Quote:
Problem 2:
So last week I applied for a discover card with the zero interest and was denied. So I pulled my credit report. Turns out I have a medical bill I paid off showing on my report as a judgment. Again this is paid off (work injury) . So I called the collection company and asked why I was never notified and why is this on my report as it is paid.
They had a ooold address and they say it is still outstanding. They are refusing to furnish any documents about the debt other than a collection statement. It’s a hospital bill and calling the hospital about it won’t due much good because I can’t narrow it down to a particular incident because I was in and out of the emergency room at least 1 time every few months for many years.
Bills always paid by the employer.
What recourse do I have against this collection company if any or advice to fix?
You need to contact the Credit Reporting Agencies and put them on notice that you are challening the incorrect information. Once they are placed on notice, they must verify the information within a certain period of time or else delete that information. You need to provide all information you have as proof that it is paid off as well to help your case. If it is not resolved to your benefit, you are allowed to place a statement on your report - but it doesn't help that much when applying for credit and they use risk based lending (your credit score) for determination.
Quote:
Problem 3:
My ex wife during our separation before the divorce was final, opened a credit card in my name. She forged the signature. I found out about it by pulling my credit report a few years ago out of the blue. I called the credit card company and viewed the document and they agreed it was forged. I filled a police report on it also. Anyways the collection company talked me into paying half of it off due to if it went to court, that’s what I would be liable for due to us not being divorced at the time it was done. So I pay half and they agree not to pursue me for the balance. Well it’s on my credit report and now the collection company won’t remove it till she pays the other half. I got screwed..
Any suggestions for this problem????
Only gratification I can get from this is hopefully she will someday get arrested for the fraud document.
Any advice guys will be incredibly helpful.
All suggestions for improving credit score fast will be also a great help.
I would again contact the credit reporting agency with court papers and other information demonstrating you are a victim of identity theft. As that is exactly what you ex-wife has done. However, I feel you made a huge mistake in paying half the balance because you can't be held liable (I don't play a lawyer on TV though) for being a victim of identity theft - whether it's your wife at the time or not. The collection agency pretty much snowed you just to get the money so they could keep their cut. My best friend went through something similar. His now ex-wife took courtesy checks he had and wrote them payable to herself and forged his signature on the checks. (She was not on the account as he had had this account from before they were married).