under 17..can creditors/collections be placed on credit file?

Question

my husband has some collections (medical/cellular) from when he was 16-17..can they legally put it on his credit file?

its medical bills..stuff his mom/dad signed for..that got put as collection on his credit..he was 16-17. he also has 2 unknown cellular bills..that he never had..we have request any documentation on those..cuz hes a victim of identity theft.

hes never signed for anything until he was 18..when he got his car

Answer 1

As far as medical bills that mom and dad signed for I would think they would be responsible as long as your husband was under 18. If you contact the collection company regarding medical bills they may be able to "write-off" certain amounts. Sometimes they will write-off anything above insurance meaning that whatever the insurance company didn't pay would be written off. The cellular issue is a different thing. He needs to find out who the cellular number was issued to. The cellular provider should be able to give out that information. That happened to me and I just never paid it because I wrote to the cellular company and sent a copy to the Better Business Bureau and State Attorney's Office and the cellular company just canceled the whole account without it going against my credit. Good Luck

Answer 2

You should fight and dispute any items on the credit file that is not his responsibility. First of all at the time he was a minor and his parents are financially responsible for this debt.

I suggest getting some help. I had some credit problems in the past and these folks helped me out.

www.lexingtonlawfirm.com

Answer 3

Yes, it's not like a criminal history where you get a clean slate when you turn 18. Credit files are a record of essentially civil transactions and fall under a completely different set of rules.

Answer 4

anything can be fought, fo to each credit reports website and file a dispute and put in for the cellualar companies that he never did business with those companies and for the medical say he never signed or agreed to pay anything, they may be thinking of his parents (especially if he has the same name like if he is a jr)

Answer 5

Yup...everything to do from when your first sign for it can go on. They figure if you are old enough to get this stuff, you are old enough to pay for it. It should of had a co-signer as well (parents or someone similar) and it should end up on theirs too.

The good news is, that if your husband is older now (over 21) he can inform people how old he was when this happened and they may give some leeway for it.

Answer 6

Even though he was a minor, if he receives any services or benefits from his "contract" for medical services, he will be responsible for payment. If the parents co-signed, then they are responsible also. It will appear on his credit report.

The other items related to a cell phone bill can be disputed. Send the creditor a demand to validate this debt and prove it's his.

See the links below for help on this.

Answer 7

yes this most defanatly is on file its legal to https://www.annualcreditreport.com/cra/index.jsp
check here it's 100% free

You can have it taken off though .. Just email them a dispute and they will take it off when you visit this site check all 3 credit bueros one of them should have it there there should be an option to dispute

GOOD LUCK

Answer 8

Yes ... he is responsible.


The only way this can be fought is if there was fraud involved (such as a parent, relative using his SSN to obtain credit).

Answer 9

yes