In January i signed up for a domain name from1&1 internet so i cancelled it and for some reason it didnt cancel so they sent me to a collection agency for a bill of $258 the thing is when i received the bill from the collection agancy i didnt have a social security number back then and i was 17 but now im 18 with a social security number and all they have on me is my bank card which i cancelled and i was wondering could this affect my credit in anyway? since it is not dirrectly linked to my social security number? And it has also been like 8 months and they have stp contacting me...is my credit messed up?
2006-08-12 05:24:47 · 6 answers · asked by pamens88 1 in Business & Finance ➔ Credit
By law you can get a free credit report each year from the big three reporting agencies. It is good to check it annually for mistakes anyway. Pull your report and see if there is anything on there. My thought is you don't need to have a SSN to be reported if you have established credit. But maybe you lucked out. The site is annualcreditreport.com
2006-08-12 05:32:54 · answer #1 · answered by Anonymous · 0⤊ 0⤋
A social security # has been required to claim anyone as a dependant for tax purposes for a number of years. It has been required to open a bank account for as long as I've been alive. $258 if exteremely high for domain name registration. There is definately something missing from your story.
2006-08-12 06:46:27 · answer #2 · answered by STEVEN F 7 · 0⤊ 0⤋
how did you have a bank card without a SS #?
if you've been sent to collections, i promise that you have a bad mark.
on the positive side, since you were only 17 when you made a contract, then the contract is invalid. any derogatory marks should be removed for this reason.
It's a pain in the (you know), but it's your responsibilty to clean it up.
if you were using your parents card, then THEY may have the black mark. better check into this one closely.
2006-08-12 05:33:43 · answer #3 · answered by shaker454 2 · 1⤊ 0⤋
This will probably negatively affect your credit until you can get it removed from all three credit bureaus.
This is also a great lesson for you. Whenever you want to cancel something send it in writing, certified with return receipt. When you get the return receipt staple it to a dated copy of the letter.
2006-08-12 05:32:12 · answer #4 · answered by Joker 7 · 0⤊ 0⤋
the easiest thing to do is check your credit score. If its got a bad mark on it, dispute it
2006-08-12 05:28:31 · answer #5 · answered by The Man 5 · 1⤊ 0⤋
Uuuuuhh. . . . y . . . y . . . n . . .n . .. . ye . . . nu . . . .uuuuhhh . . I don't know!
2006-08-12 05:27:41 · answer #6 · answered by xinnybuxlrie 5 · 0⤊ 1⤋