Free gov credit report Topeka

Any of this information could in fact turn out to be incorrect, but the item of information we will address in this article is that definite and critical identifier for the CRAs, the account number. One would think that such free gov credit report Topeka a mundane piece of information as an account number couldnt possibly cause that much trouble, and in a sense that is true. What actually causes the problem free gov credit report Topeka is when the account number for the same account gets changed, and sometimes morphed repeatedly, so that the identity of the free gov credit report Topeka actual account is greatly obscured.

When this is allowed to happen, the CRAs free gov credit report Topeka super computers, employing simple logic but lacking intelligence, assume that an account is the same, or a match, when it has the same account number, and that it is different when it does not.

Therein can lie the source of much headache, aggravation and damages for a consumer, and much denial of responsibility from the CRAs. Let us say that Consumer An is receiving bills for a .00 balance on a department store credit card. 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 information. request a free credit report After numerous phone calls and letters back and forth, the department store agrees that it is not Consumer As debt after all and tells Consumer A not to worry about it, that theyll take care of it.

Naturally, Consumer An is now free gov credit report Topeka relieved and assumes that it will be taken care of, i..e., they will stop billing him for the invalid debt free gov credit report Topeka and it will be deleted from his credit report. The account number, by the way let us say it is free gov credit report Topeka 1234567890 and that is the way the CRAs are 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 free gov credit report Topeka the previously reported trade line within a free gov credit report Topeka month. credit report free trial ]] About four months go by and Consumer An is dismayed to receive in the mail a letter from a Debt Collection Company named Pit Bull.

Pit Bull, in its letter, states that it is collecting a debt on behalf of the department store (the same one 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 as , having tacked on free gov credit report Topeka 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 department store will reinstate him in good graces vis-à-vis his credit card (the one that was neer his in the first place) but if he pays them the at least they will stop dunning him. 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 free gov credit report Topeka will be reported for the next seven years! He calls the department store and reiterates his story that the department store had earlier investigated, agreed with him that he did not owe the debt and that they would take care of it for him. free credit check These words come back to haunt Consumer An as the representative now tells him that they are sorry, the account is now with collections, and that they cannot interfere as it is now 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 a full account of the situation and a statement that he categorically does not, and never did, owe the debt. Two of the three CRAs shortly thereafter free gov credit report Topeka delete the trade line from Consumer As report, but one of them does not.