Affect my Credit score?

Question

Okay, lately I have been getting junk mail, junk magazine, and junk stuff (like cup, stopwatch and so on) they send me a bill along with it. Of course I didn't order it and I don't know how they got my address, anyway, it is a good business practice. I don't think I will return stuff to every single one of them. Now my question is, if I just ignore all of them (keeping the stuff... hell no, I am not returning, waste time and postage), would it affect my credit score!???? btw They are not charged in my credit cards

Answer 1

The answer is no.

Technically, they aren't sending you a bill for services or products you've ordered, they're sending you an "acceptance form" which looks like a bill.

In other words, if you decide you'd like the product or junk they send you, you simply mail payment along with the "bill" and your subscription starts.

It's a marketing technique which fools some people into thinking they've ordered something they haven't.

It won't affect your credit score.

A good way to stop these mailings is to write "refused" on any packages and have it sent back to the sender. They will be responsible for the postage and will soon cease sending crap to you.

Again, bottom line is if nothing has been charged and you didn't order anything, your credit won't be affected. You may want to do a little research to try and find out why you're getting so much crap, though.

Answer 2

It really depends on how much information they have on you. You may want to try calling to find out how you were signed up for the stupid thing and make sure it gets cancelled first and foremost. Then, you should try to get it worked out with them to return the stuff or have the bills cancelled. Just because your credit card hans't been charged yet doesn't mean they don't have the card number, and even if they don't they could send it to collections and that will definitely affect your credit score. You may also want to start monitoring your credit score for a few months to a year, just to make sure you didn't miss something.

Answer 3

Yes for sure. Someone could be playing a prank with you by ordering such items on your address. It will affect your credit score if you don't return them or if you don't contact the company who sent them to you. If you contact the company, tell them that you never ordered the stuff and that it could be someone playing a prank on you. That way they will know that you aren't messing around with them by not returning the stuff. You can order a copy of your credit score by using the following link:
http://www.joincreditexpert.com/freecreditreportint/?sc=410006&bcd=interactivehomepage1

You can check wether this has affected your score or not. It won't affect your credit/ debit cards.

Answer 4

If the stuff you are receiving was sent to you without you or any family member ordering either by phone, mail, or internet then the stuff is yours to keep and they cannot charge you or penalize you for it. If they continue to send you bills then send them back and say "I did not order this item on the bill".

Answer 5

In the process of buying my home, "pre-approved" mailers were getting info from my credit. This lowered my credit rating. I went to an expert and was advised to write the following letter to the following addresses:


To whom it may concern:

This letter is to kindly request that my personal information NOT be shared for promotional purposes. The following is my information, which may be used to put a stop to unsolicited mail.

Name

Current addresses
Phone #:

Previous addresses
Phone #:

Social Security
Date of Birth

For any additional information you may needed, please feel free to call me at the only telephone number available to contact me, my contact phone number(s): ###-###-####. Please to do not release that number to anyone.

Your time is appreciated, thank you!

Sincerely,




(your name)


Address:

Direct Marketing Association
Mail Preference Service
PO Box 9008
Farmingdale, NY 11735-9008

Equifax, Inc., Options
Po Box 740123
Atlanta, GA 30374-0123

Experian, Consumer Opt-Out
701 Experian Parkway
Allen, TX 75013

Answer 6

First Postal regulations say anything you get in the mail and you didnt order it, it belongs to you. Second, any bill you get write on it did not order and send back to them. Third, I think someone is playing a prank on you, by sending in cards with your name on it.

Answer 7

If they have your social security number it may affect your credit score. Check your own credit every now and then and make sure there isn't any errors on there.

Answer 8

no it will not do anything with your credit.
Only things that have your SSN# will damage your credit.
Trivial things like your are recinging wont hurt you just dont pay keep them and sooner or later they will stop sending your anything

Answer 9

well, just call them and see how they are getting your information. and sooner or later you will be paying for it.it could be a good selling tactic but its all illegal for businesses to get information on you without your permission. If i were you i would be asking questions because it could get worse and then what. if it goes on your credit, you could catch hell getting it off. so i suggest you look more into it. you seem to be to easy about it.

Answer 10

As long as there is no link to your credit card and it is unsolicited you have no problem. If they send it to you unsolicited you can keep it and they can get lost. They are hoping you will feel guilty about it and pay for it.