When i was 17 i forgot to pay a couple of bills which was placed on my credit is this possible? the charges started in january i was 17 my birthday was in may and the debt was put on my account in october. Shouldnt this be taken of my credit since i was only 17 when the charges were incurred?
2007-08-05 13:11:55 · 4 answers · asked by pamens88 1 in Business & Finance ➔ Credit
I have already paid the debt it was for $250 but they put it on my account as $30 like 7 or 8 times even though it shows up on my report it shows as paid which is just as bad surprisingly itonly shows on my experian my trans union and equifax are clean
2007-08-05 13:13:35 · update #1
It was for a website that i registerd to do a project after i was done with it i forgot to cancel it and they kept billing me for like 7 months and i saw a letter in the mail saying i owed $250 and now its showing on my report as NCO/Fin 99 the domain people were 1and1 internet and the worse thing is it doesnt show up once as $250 it shows up 7 times as $30 or so
2007-08-05 13:22:31 · update #2
A collection agency cannot legally place more than one trade line for the same account on your credit reports.
By placing it on your reports 7 or 8 times they are seriously violating your rights.
It seems NCO does not care if they violate the FCRA and FDCPA, even after they had to pay out 1.5 million for their FCRA violations.
Experian is evil and very hard to deal with, but you should try and dispute the accounts.
On one page, list each account - name of account, account number reporting, reported by NCO, etc.
Then say that they are duplicate accounts, they are violating your rights by being reported and that you are requesting deletion of all of the accounts.
Do not include in that dispute that it is your account, that it should be reported as $250 not $30, that the account is paid, etc. In other words, never offer any info that would show that it is your account. Offering info that the account is yours will make it harder for you to make EX do what they are supposed to do.
What may happen is that NCO may delete all of them, may not verify them and EX will have to delete, may verify all of them, may correct the amount and remove all but one.
If NCO verifies all of the accounts, then file complaints with the BBB, the FTC, your AG and NCO's AG.
Wait a few days to give NCO the chance to realize you had filed those complaints, then file another dispute with EX and include a copy of your FTC complaint with your dispute.
Send all of your disputes to EX by certified mail. Keep copies of everything. Create a paper trail.
Since you had already paid the account, NCO cannot sue you for it, but you sure can sue NCO for the violations if they keep all of them on your report.
2007-08-05 14:26:54 · answer #1 · answered by echo 7 · 0⤊ 0⤋
If you were a debtor on the account yes they can place it on your credit, regardless of your age. In many cases, even if you you were only a signer on the account, they can place it as well. There isn't any expungement of records just because you weren't 18. I hope you are not implying that because you were 17 you didn't understand you owed money for something you bought! If you made the debt and it was late why shouldn't they show the truth?
2007-08-05 20:19:55 · answer #2 · answered by Deb B 2 · 0⤊ 0⤋
NCO is a collection agency. If they have put multiple entries on your credit report, dispute all the extras as duplicates. Getting those extra entries off will help your score greatly.
2007-08-05 21:23:48 · answer #3 · answered by bdancer222 7 · 0⤊ 0⤋
That depends on what you are being charged with. If it was a credit card...no you can't be held responsible. Please state what is on your credit report. if it's a phone bill or utility bill then yes.
2007-08-05 20:15:43 · answer #4 · answered by Anonymous · 0⤊ 0⤋